davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-21
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF THE WEST (CA)

Good morning. This is the 5th time I have written. No solution is in site. Bank of the West seems to talk out of both sides of their mouth. They tell " half '' the story when responding and believe that it will resolve the complaint against them and their wrongdoings. 

The bank ca n't have it both ways -- ignore the relevant facts and only point to the facts they feel should be looked at and support their way of thinking. 

Please let me explain -- One -- BOW refused to renew my 10 year loan based on a credit score that was below their threshold for renewal -- true. But again, that is a " half truth. '' They are the ones that caused the lates on my credit report that reduced the score. In other words, they unilaterally created / lowered my credit score for which they ultimately used against me to not renew. How can that be right / legal? 

Two -- For almost a year and a half, I have noted this problem as a note to my monthly payment. ( see attachment herein ) Every month, without word, Bank of the West cashed this check. They claim that there is a paragraph in our note saying they can ignore any written language on a note - true. But again, that is a " half truth. '' There is language, but it is not legal language nor is it enforceable language. 

If they do n't agree, they should n't cash the check. But they have, since the beginning of last year. This is not an isolated incident, but an ongoing habit of theirs. 

There is no known law that says they can proceed as they have. It is just " bully '' language by the lender. 

Bank of the West wants it both ways. That is not right. Please help me to hold them accountable to what is right and the law. Thank you.
Consumer complaint received 2016-10-26
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Mountain Land Collections, Inc. (UT)

I have n't received any letter regarding my payment and directly sent to the collections.I noticed after almost a year on my credit report that I have a collections and called Mountain landing collections and paid the amount which was said that owed.Now after almost a year later I see still XXXX $ on XXXX saying that I owe.
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I was defrauded by two companies XXXX-which is under suit- and XXXX dba XXXX dba XXXX. XXXX stole money to pay XXXX, which is in settlement for chXXXX and disputed since XXXX. I had an attorney on retainer. They wardialed me multiple times. This I can prove. XXXX took advantage, scammed me into a bait and switch, slapped digital banners in my face, sent my internet willy nilly an infected four machines, which I had to disinfect. REIGONS, the bank in question is refusing to settle any claim whatsoever. XXXX is doing same on other matters, I am more concerned with my bank and how banks are getting away with more and more consumer fraud and deciet. VISA and MC, even XXXX have policies which these corporations DO NOT ABIDE BY.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (AR)

I have contacted Wells Fargo to go over the reasons the account is not mine and I am met with disdain as they hang up on me and refuse to expediate this matter of importance.
Consumer complaint received 2022-05-19
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-05-05
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. (CA)

XXXX   XXXX   XXXX  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations  [ 15 USC 1962e ]   As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or i n-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against Equifax,  XXXX  &    XXXX   for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Consumer complaint received 2022-05-19
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. (PA)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, has violated my rights. This acconut has been on my consumer report for more than 7 years and should have been removed. 
XXXX XXXX XXXX, has violated my rights. I sent a debt validation letter in XXXX. It's been 45 days and I have yet to recieve the requested documentation proving I owe this alleged debt nor that I have ever engaged in business with this company. These items being on my consumer report is negatively impacting my ability to secure credit and loans. 

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 2022-01-04
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: Experian Information Solutions Inc. (SC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-05-19
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: PulteGroup, Inc. (SC)

XXXX XXXX isnt reporting XXXX XXXX isnt reporting XXXX  isnt reporting my XXXX  XXXX XXXX card isnt reporting my XXXX car isnt report XXXX shows i only have oone trade line and when my credit gets pulled it say stuff that isnt me and shouldnt be reporting
Consumer complaint received 2022-05-19
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: U.S. BANCORP (WI)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX, # XXXX US DEPT .OF EDUCATIO, # XXXX DPT ED/XXXX, # XXXX XXXX XXXX has violated my rights. 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
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (TX)

EQUIFAX are reporting fraudulent inquiries in my credit file. 
These creditors and companies has violated my consumer rights by accessing my credit file without my consent. I dont not have and accounts or services with these creditors nor did I ask for credit or services with these companies. 
EQUIFAX Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

OnXX/XX/XXXX i sent in disputes against many inacuracies i have spotted. Under 15 USC 605b there was also fraud accounts. I am seeking litigation against these companies and i want to see the original contract these " collectors '' are claiming 15 usc 1681a. The bureaus have taken longer than 30 days and is affecting and violating my rights and freedom as i am looking to purchase property.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2022 I applied for a Chase credit card. Chase pulled a hard inquiry from my consumer report at that time with all three credit reporting agencies. 

Today I went into a Chase branch to verify my identity for this application at Chase Banks request. After providing the documents they asked for I noticed that an additional hard inquiry was pulled from my consumer report. 

This second inquiry was illegal because I was not notified that it would occur before hand. Also it is not fair to pull my credit more than once for the same credit product. Chase is supposed to be an equal opportunity lender. I have not been given an equal opportunity to receive credit.
Consumer complaint received 2020-04-20
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 (AZ)

On XX/XX/2018 my credit report was pulled without my consent as an attempt to open an account under US Bank. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting US Bank on more than one occasion they could not assist with resolving this matter.
Consumer complaint received 2015-04-06
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (NC)

Barclays Bank Delaware is reporting a credit card under my name with a balance of {$6800.00}. This account is not mine, but is being reported to XXXX. XXXX shows the account was opened XXXX/XXXX/93. This account is not mine.
Consumer complaint received 2022-05-19
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : Original Creditor : ) XXXX, XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-05-19
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. (NY)

I disputed XXXX through XXXX. Student loan XXXX XXXX, XXXX XXXX ; they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. XXXX late payments is the result of negligence of student loans reporting false information. 

They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.
Consumer complaint received 2015-07-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (FL)

the collection agency NCC Business-service put a alert on my XXXX XXXX credit without my permission, also they puts XXXX account of the same item, that is not mine.fraudulent accounts, ghosts item
Consumer complaint received 2022-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc. (WI)

I received a notice dated XX/XX/2022 from AMCOL Systems , Inc. XXXX XXXX XXXX XXXX, SC XXXX regarding a debt from XXXX XXXX XXXX which had been the result of billing error that had been corrected by XXXX XXXX and should have been no longer placed with AMCOL Systems , Inc . I called on XX/XX/2022 and spoke to XXXX and then XXXX ( supervisor ) requested written verification/notice for my records that the debt was no longer with AMCOL Systems , Inc. and they refused to provide any documentation in writing to me regarding the history of this debt with their company. They stated they couldn't send me anything in writing since they " don't have a template for that. '' I expressed concern regarding them attempting to collect on this debt or take further action in the future and wanted documentation for my records, but they refused and refused to provide me with additional contact information at their company to talk to someone that could provide me with that written documentation. XXXX XXXX XXXX has provided me with written documentation via my billing statement, but the collection company refused to provide me with written verification that they were no longer attempting to collect this debt from me.
Consumer complaint received 2022-01-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Santander Consumer USA Holdings Inc. (NY)

This Company is trying to collect a debt that was fraudulent from the start, I extended my credit to them. 

The violated 15 US 1605 ( a ) ( c ) This transaction included a finance charge and finance charge includes insurance which protect creditors against the obligors loss and or or property damage. And they did not include insurance in my finance charge. 

A finance charge is sum of all charges in consumer credit transaction and does not include cash this company took cash {$6500.00}
Consumer complaint received 2015-04-02
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: ZWICKER & ASSOCIATES (VA)

I received a call from Zwicker and Associates claiming I owed a debt to XXXX XXXX XXXX voicemail ). I called XXXX XXXX to see if there was some old debt of which I was n't aware. They told me all my accounts were in good standing and that there was no debt. I researched the phone number on the internet and discovered this company harrasses consumers and tries to convince consumers that they have a debt.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Here we go again! Or rather still.. 

I simply do not understand why Synchrony has to be so complicated in your payment allocation process. It is, and I have previously accused you of " sprinkling micropayments '' across all balances, some not due for as far out as 11 months, PURELY for the fact, the AVERAGE consumer will think, " hey I have been paying on this account for a year '' - and they ASSUME ( wrongly ) that a promotion is paid off, when in fact, it is not, and HUNDREDS of dollars of interest comes rushing forward. Which I am sure, if that AVERAGE consumer catches that, they call you, you say, your patent answer " sorry, let us fix ''. Well you are in fact NOT SORRY, if you were truly sorry, you would FIX THIS ONGOING ISSUE. When I have complained about Synchrony 's payment handling in the past, I get your FORM LETTER that blabbers on about minimum payments and that all payment made is applied to expiring promotion in its final 60-days. FLAT. OUT. LIE. I have now two statements, that payments are NOT applied to balance expiring in 60-days but again, still, micropayments applied to balances now expiring as far out as XX/XX/2023 - XXXX MONTHS from now! 

It is NOT RIGHT, that the consumer has call EVERY MONTH to ENDURE your system FORCING us to hear last transactions, available credit, insisting to text it to us, and on and on, before we can get to a live person, who MUST be an " Account Manager '' in order to allocate the payment the way it SHOULD have been allocated, the way YOUR OWN POLICY so states it should be handled.
Consumer complaint received 2022-10-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

15 USC 1601 XXXX XXXX XXXX XXXX XXXX disputes sent to equifax, XXXX and XXXX which are all three financial institutions which sells financial products and reports credit. This is a violation of my identity rights and consumer rights of credit privacy.
Consumer complaint received 2022-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.