davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (HI)

On XX/XX/2020 I applied for a Lowes credit card online. Was instructed to take a video of myself for facial recognition purposes and to then take photo of the front and back of my Hawaii drivers license. All went well and was accepted until taking pic of the bar code on the back of my license. Website locked me out after x amount of tries. I was in dire need of washer/dryer, so I drove to nearest XXXX store with all the documentation I felt was sufficient, ( previous years tax returns and W-2, original SS card, latest check stub from employer and said Hawaii drivers license ). Spoke with store manager, who then put me in contact with their credit card people on site. They spent over 2 hours on the phone with several different reps of Synchrony Bank/Financial, ( Lowes credit card issuer ) and it was revealed only way to continue was to go through same process as I had previously done online, i.e. photo of barcode, video etc. XXXX employee took video ( accepted ), pic of front of drivers license ( accepted ), and pic of bar code on back of license ( not accepted as it again would not read ). After the allotted tries system once again locked us out. Was told nothing I could do but wait for letter from Synchrony. I paid for washer/dryer with my bank debit card and went home and waited for said letter, which arrived on XX/XX/XXXXand was dated XX/XX/XXXX. Called # from letter and was told I needed to go through the same process as before. Went online and was locked out. Called back and requested account manager who said she would unlock and to try again. Went through the process again with same results ( bar code would not accept ). Have requested Synchrony to please either give me another avenue to prove my identity or cancel application and remove hard inquiry they have put on my credit report. They stated they will do neither. I have previously received offers of credit from Synchrony in mail. I have had a mortgage for almost 14 years, several established utility accounts and have even been approved for a mortgage refinance within the past two weeks from XXXX XXXX ( which took less than an hour, compared to the six plus hours I've spent dealing with Synchrony on this issue ). I am presently awaiting denial letter from them. I really no longer need the Lowes card and only applied to take advantage of the 12 month financing for washer/dryer. I feel this practice is unfair as it affects my credit score, which is in the low 790 's and feel that I should be given another avenue of proving my identity. Person who helped for several hours at Lowes store said they have experienced this issue several times before. Any help you might provide will be appreciated, as I am willing to do whatever is necessary, but scanning of bar code on drivers license obviously will not work. XXXX
Consumer complaint received 2016-12-14
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Account Control Technology, Inc. (MI)

I have tried to pay whatever I could over the years on my student loan. I have an overwhelming amount of debt not to mention my daily necessities. I ca n't exactly come up with any substantial sum of money right now. I have already paid 75 % of the loan too, which is really frustrating that I am still getting harassed.
Consumer complaint received 2020-11-20
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: EQUIFAX, INC. (NJ)

I have disputed things on my credit report and XXXX  did not investigate these matters. I submitted the same disputed with CFPB and received a response that this was an error and will be removed. XXXX  has not yet removed this or any of the other items disputed that XXXX  has removed. They are not investigating these disputes accordingly. They are just responding that they are valid.
Consumer complaint received 2020-05-30
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 have tried to contact all three bureaus several times the addresses reporting on my credit profile are invalid I was part of the recent security breech involving Equifax and filed a FTC report was filed yet they are still reporting false addresses I never heard of on my credit profile.
Consumer complaint received 2020-05-30
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS AND MY CREDIT FILE IS LEFT TO SUFFER THE CONSEQUENCES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

i keep getting letters saying i have folcosure I went to apply for credit with XXXX. I was denied because my Equifax credit report is showing that I have a foreclosure and garnishment and that is not mine. I have never had a foreclosure on my home or garnishment of my wages either.
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I received a copy of my " Equifax '' credit report in the U.S. mail. Yet on it was a " False '' debt notation under the " Credit Management '' section of " Page 5 of 36 '' that incorrectly stated that I owed " $ XXXX '' to some unnamed " Cable/Cellular '' company effective " XX/XX/2020. '' I have NEVER owned a " Cable '' T.V. NOR owned a " Cellular '' ( cell ) phone.

This " Debt '' is NOT mine!!!
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DE)

hi, I have reached out to LOANCARE LLC and requested a manager. An escalation ticket was put in they system. The manager advised me that the issue would be taken care of within 7 days and that someone will reach out to me directly with the status. We have a past due property tax bill that was due XX/XX/XXXX. The town did not reach out to us until XX/XX/XXXX. It was then that we received a final notice. I have called LOANCARE multiple times and each time I am given a different date as to when this matter will be resolved. As of today our property tax bill has not been paid. No one has reached out to us. I have called multiple times on this issue and it has not been resolved. I even emailed their customer service team about other issues and never receive a response back. Their customer service is terrible. Have you on hold forever and never respond to emails. We would like our tax bill paid out of our escrow account as it should of been paid last year asap. L
Consumer complaint received 2020-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NV)

IC SYSTEM ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Dear Sir, Madam, I have an XXXX  account to monitor my credit scoring and other reports. I see that my credit card data is not showing anymore within my online account since XX/XX/2021. Before everything was fine and we have been working since long time to keep for more than 5 years excellent FICO score in between XXXX. I decided to call XXXX  and they said that I should myself talk to my bank, the XXXX XXXX, about the transmission issue. I tried also to enter in my accounts at XXXX  and Equifax but there I'm now even refused any types of information on my myself and my credit histories. I then contacted on XX/XX/2021 XXXX XXXX to have them investigate on the case and I explained XXXX XXXX what I was told by the XXXX  operator. Today after more than 30 calendar days I'm still without any result or even an explanation from both the bank and the credit bureau XXXX XXXX XXXX and XXXX  ). 

XXXX on XXXX XXXX Account Statement, the monthly downloaded pdf e-document, I do not see my FICO score anymore as the section keeps blank now. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an XXXX XXXX loan for our partnership. This is vital matter for the company. 

Thanks for your assistance in this issue. 
CP. 
XXXX  : I've been a paid XXXX  client during 3 years.
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

The lender incorrectly has some of my charges and payments tagged as late. All my payments with the lender have been paid on time. I have asked the lender to correct this and have all charges and payment history marked as current in all places : including but not limited to lenders systems, statements posted for my download on lenders portal accessible by me, and all credit reports. This is not yet done.
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MA)

Happy Friday TSI / CFPB ; I been getting inundated & abusive phone calls from TSI for unknown alleged debts from XXXX XXXX and XXXX XXXX. I never had any relationship with any of these companies listed.. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be  immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2016-12-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

We were notified through a general notice sent by postal mail from Santander Bank that starting in XXXX, we would be charged a {$3.00} paper statement fee starting XXXX XXXX, 2017. This fee will be charged on the first business day following the statement period date. To avoid this fee, we will need to turn off paper statements through Online Banking and to do so individually for each account. The letter acknowledges that the change is easier for some than others and that this is being done for environmental reasons. We have contacted bank representatives at local branches and by phone several times indicating that this is an inconvenience for us and makes it difficult to review charges ( allowing the possibility of additional fees to go unnoticed ). We also noted the equity and access issues, particularly for individuals who do not have easy internet access. Each representative and supervisor categorically stated that they could not override the paper statement fee at an individual level. I understand that this fee applies only to our personal account, and not the business ones which shows inconsistency between accounts. It is my understanding by reviewing relevant online guidelines and reaching out to several state and federal agencies that national banks are required to provide periodic statements if electronic fund transfers can be made to or from the checking, savings, money market, or NOW account. We are concerned that the paper statement service fee represents a potentially deceptive, unfair, and inequitable banking practice and that such a charge violates our rights as consumers. We would like this issue to be investigated not only for our family as account holders, but for all account holders who may prefer to maintain paper statements at no additional fee.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$240.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX 

XXXX XXXX
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please see attached documentation. 

My complaint is for XXXX XXXX XXXX XXXX and all 3 Credit Agencies. I have been trying to resolve a known issue with incorrect " Past Due/Payment History '' that XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. XXXX XXXX agreed that the Past Due/Payment History is wrong, and that they would correct it. 

SinceXX/XX/XXXX, I have documented repeated attempts to get my credit history corrected. It is XX/XX/XXXX, and still do not have my Credit Reports corrected. 

BEWARE of XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (MD)

This dispute is regarding a credit card that was issued by Wells Fargo for {$13000.00} In XX/XX/2019 I received the card and used it for Approximately {$3000.00}. The remainder of the funds were used fraudulently by someone else ( {$9000.00} ) I filed a dispute with Wells Fargo, they investigated the fraud and said that they had proof that the charges were mine. They refused to furnish me with the proof and insisted the charges were mine and that they are going to report it to the credit bureau. I am not responsible for the charges and want to see the evidence so I can file a police report but they are not cooperating with me. What do I do next to resolve this matter?
Consumer complaint received 2016-07-27
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Mortgage Wells Fargo Home Mortgage XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Well Fargo Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} Well Fargo Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 

These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting 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. (NJ)

An unfamiliar inquiry on my credit report is really concerning. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened as I did not applied to them and it's causing me a lot of stress and XXXX.
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (IL)

in XXXX XXXX tcf bank started on a totally free checking acct charging a dormant fee of XXXX $ per mo.when i opened the acct in XX/XX/XXXX i was told totally free checking unless i went negative of corse, stopped using the acct in XX/XX/XXXX regularly.watched my statements monthly on line for about a year and all normal, was traveling the past year and thought nothing of this acct and figured in the future when getting back would surely use it again,XXXX $ was in acct and had n't changed in a year when i left, on XX/XX/XXXX i got a statement email, opened online and saw XXXX $ a month since XXXX XXXX had been being feed, i called customer service and the agent XXXX id # XXXX said she was the supervisor and could only give back half XXXX $ and sorry but it is all she could do