davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-15
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Lowther Johnson Attorneys at Law, LLC (MO)

XXXX XXXX XXXX in XXXX Missouri has a permission to treat and permission to bill insurance company documentation they ask you to sign each time you incur services. The persons that have you sign the documentation orally state " This is your consent to treatment for what we are doing for you today, and a consent to bill your insurance if you have active insurance '' and then ask you to date and sign. What they DO NOT disclose is you are signing an agreement to change of venue to XXXX County Missouri if your account goes into arrears. In Missouri you have to be sued in the county of your residence, not the county where the services occurred. This is a cost savings measure for XXXX that causes increased cost for the consumers being sued I believe as a stratagem to bypass truth in lending rules and their obligation to orally inform the recipient what exactly they are signing. Since I know that healthcare entities are treated as consumer loan agencies by the Red Flag Warning Laws, I suspect they are also then mandated to follow truth in lending laws. This company has gotten into trouble many times in the past with unscrupulous collection practices, and I believe closed their internal collection agency due to legal complaints. I have also been sued by them for dollars they should have collected from a contracted insurance company and by that contract if they through their own neglect did not submit the claim must adjust it off but have no resources to battle them. They are a very high volume healthcare company with extremely aggressive collection lawyers, Lowther and Johnson of XXXX Missouri whom I have had great difficulty working with, as they do not follow through and illegally garnisheed my bank account AFTER coming to a payment agreement with me. When I tried to renegotiate the payment due to loss of wages due to illness ( I am self employeed and work as a consultant under contract ) they then are trying to garnishee my contract wages instead. I was told by Lowther and Johnson that I could NOT directly contact Cox Health about their garnishment action and they would not do anything until the garnishement runs out unless I could pay the debt in full ( Part of which is the ER visit they never billed to my insurer ). If the change of venue is not legally binding XXXX XXXX and their collection Lawyers Lowther and Johnson might loosen up and rethink their aggressive stance. Thank you!
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XXXX XXXX, 2021. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2015-06-09
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello, I had a credit card with Union Plus. Union Plus was purchased by Capital One. I missed a few payments because I was out on maternity leave and never really got caught up. I tried to get on a payment plan but there was not XXXX available for my financial situation. My account was charged-off by Capital One but they did not ever put my account in their Collection Department or Recoveries Department and both exist. I believe put my account their because it was not an original debt with Capital One.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/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 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 2021-11-29
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. (LA)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, all by certified mail requesting that you remove inaccurate information from my file due to IDENTITY THEFT and you have failed to do so. 

I sent in documents to your company several times and I was told that my documentation did not follow your criteria, but when asked the correct criteria or what I was missing, I was told that you were unable to tell me. You also stated that the creditor validated that the accounts were valid. 

Accordingly, I can show a judge that your agency is in violation of several laws, XXXX being 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt, no one else can state they have proof this debt is valid. I do not validate this debt and it is a result of identity theft. 

Therefore, the following accounts must be deleted from my report. that I was a victim of Identity theft and that you violated the Fair Credit Reporting Act by ignoring my requests to block/delete this information My previous letters all sent by certified mail stated my reasons and these reasons were not frivolous in any way. I filed a police report, a FTC report and contacted the CFPB to no avail. 

If this final request does not prompt you to delete the below accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself.
Consumer complaint received 2015-09-11
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (IN)

Contacted Quicken loans prior to XXXX XXXX, 2015. Received notice from them dated XXXX XXXX, 2015 that my application for a mortgage was " taken out of process '' on that date. I did not authorize the XXXX inquiries made by Quicken Loans on that date. XXXX XXXX XXXX has erroneously made this inquiries. What can be done to stop these nefarious inquiries, restore the points lost because of his fraudulent behavior?
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2021-02-24
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. (GA)

I have spoken with all the credit cards that are associated with my name and they will not clear up the negative effect this has had on me. COVID 19 was a disaster my husband and I maintained pretty good. We called everyone and they assured us that we would not get a late on our credit and now that we are trying to qualify for a house the scores have been effect I need these fixed immediately. The home we have been renting the owner has to sell due to COVID 19 and we would like to purchase but the late payments seem to be the only thing that is affecting us.
Consumer complaint received 2016-05-31
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (GA)

I received an email from this company stating that my loan has been approved and processed. I also received a phone call but never spoke with anyone. I have not applied for a loan at Cash Central out of Utah. Since this happened I pulled my credit reports and see where they have checked my credit in the past as well. I have never had any association with this company. I was able to go online and pull my so called information. They have my social security number and drivers license number correct but nothing else is correct other then they have a relatives contact information that they will harassed for payment. I have tried to research this company online and it appears that others have had similar issues as me. This company is doing illegal phishing into people 's lives and personal information then processing loans without our knowledge or consent.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

Hello, XX/XX/XXXX my mortgage was reinstated from a foreclosure ... and I was told that if I make the payment in full what I owed that my mortgage company would wave all legal fees and reinstate the mortgage, I did so, then I made a regular mortgage payment the next month and everything was fine, then I got a call about a recording fee and I told my mortgage all fee were waved, they said to me since all fee were waved that I have to write a letter asking for this low amount recording fee to be waved also, I did, then later that month my mortgage company contacted me and said I owe a large amount in reinstatement fees, I said over and over again that I was told all fees were waved, they said they would look into it and get back to me { all phone conversations are recorded when my mortgage company calls } I told them talk to the lady I talked to and listen to recording but in the end my mortgage company has tact on what they say I owe on the end of my mortgage this is wrong they told me no fees and they went back on their word, please help
Consumer complaint received 2018-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My situation is unique because its been caused by my employer state government closed my work the sudden loss of income had a bad impact on my health to the point that I was forced to apply for my social security benefit unfortunately government dont care about people they are slow behind I send my situation to the office of senator XXXX XXXX and California governor XXXX XXXX and they are aware of my situation I the other hand SLS never worked or try to assist me And from the beginning everything they done is only in a path to take my home SLS is under a lawsuites for not comply and doing the same thing they done to me to other homeowner and this is how they operate by playing game toying with home owners so they could take their home I have hundreds of complaints of other homeowners that how SLS took their home On the same date that SLS is selling g my home I have XXXX My son is in. XXXX XXXX SLS is a fruad company and they need to be fined and put away for what they done and doing to home owners Cfpb not doing their job by not investigate SLS
Consumer complaint received 2016-10-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

i received a bill from portfolio recovery associates , llc, i contacted them, was told because i gave them no information that they would report i verified this debt.i then sent portfolio three certified letters asking them to verify the debt, to send me proof that i entered into an agreement with them and for how much they purchased my charged off account for and to cease reporting negatively to the credit agencies.was sent papers by portfolio from the original creditors but nothing from them and when i called to ask why was n't anything given was told to file a dispute again at which time i informed them i would not that they had more then enough time to respond to my request and that ill be filing a complaint against them, i was hung up on
Consumer complaint received 2015-08-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (CA)

I have an installment lending creditor who has failed to properly report information to my credit bureau. This has happen with the past XXXX loans I 've had ( XXXX of which have been paid off successfully ) I 've opened up disputes and they have failed to resolve. Even thought they advertise on their website they report to credit bureaus. Also, I have a feeling that I may have been not given the best rate when I applied for another loan as my credit history was not correct and their paid off loans were not reflecting. I 've been trying to work with Rise for more than XXXX days and they have failed to resolve my issues
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (NY)

On Monday, XX/XX/2022 at XXXX XXXX  my consumer rights was violated adverse to my interests as a consumer I XXXX XXXX XXXX was discriminated against on my credit card application for a Business secured credit card in the amount of {$2200.00} by First National Bank of Omaha underwriter XXXX, In good faith for exercising my granted right for applying credit under 15 USC 1602, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction 15 USC 1691 please reach out in regards to this matter.
Consumer complaint received 2020-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I disputed all inaccurate accounts on my credit report with the bureaus on XX/XX/2020 and still have not received any response from neither credit bureaus.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX XXXX XXXX. I am writing due to recent actions by the CFPB against Wells Fargo on the issue that their employees were opening accounts without the customers knowledge and authorization. I believe I am a victim in this issue. I believe a Wells Fargo employee opened a Credit Card in my name without my knowledge or authorization back in XXXX. I am a XXXX XXXX XXXX retiree living on a fixed income. I became a new customer of Wells Fargo in XXXX and opened a checking and savings account. I never opened a Credit Card! I became aware of this in XXXX XXXX when my computer was hacked and I was scammed of {$5000.00} from a Credit Card that I never knew existed. As the scam was unraveling, Wells Fargo notified me that the scammers activated a Credit Card ( that I did not even know that I had ) in my name and advanced {$5000.00}. After my inquiry the bank told me that the card was established in XXXX but had never been activated until XXXX XXXX ( not by me but by the scammers ). Why would someone get a Credit Card and never activate it?? Because they did not authorize or even know that they had it! I have made over a dozen complaints over the past year and a half to everyone from the bank ( XXXX or 6 times ) to the FBI, to the XXXX, to the local XXXX Office and the local Sheriff 's Department. I am including a copy of the letter that I sent to XXXX XXXX XXXX and XXXX XXXX XXXX at Wells Fargo. At this time I have $ XXXX delinquent charges from Wells Fargo against me and my credit report. I would like this charge removed and this matter finally resolved. Thank you! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MA)

I have never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX, as is erroneously reported on my Experian credit report. I have also never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX. I need for XXXX of these address to be removed from my credit report. I have also legally changed my name from XXXX XXXX to XXXX XXXX. I have provided my creditor with this documentation and they have not updated my name on my records.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-03-28
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. (GA)

I have asked the Credit Bureau and the company to do a credit search and I did a complete search as well for the inconsistencies. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: WELLS FARGO & COMPANY (VA)

Disputed account age and requested that XXXX verify and delete as account is over 7 years old according to my records. Instead, Wells Fargo re-entered the balance and past due amount, status, and re-aged the debt by changing the status date to XXXX. Disputed again with XXXX and attached letter sent to Wells Fargo. I continue to have MANY issues with Wells Fargo and their credit reporting practices no matter how many letters I have sent proving bankruptcy. I am simply asking that the account be removed is over 7 years old -- that was my dispute with XXXX. Wells Fargo 's actions caused my credit score to drop again. Also, this account may only be reported under closed accounts and negative accounts per bankruptcy code/laws.
Consumer complaint received 2017-09-26
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: EQUIFAX, INC. (TN)

XXXX XXXX, XXXX is when I had received the loan. Legally its suppose to be off my credit in 7 years and its been over 7 years and they wont let me dispute it.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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. (LA)

I am a natural person, I am a living human being, I have rights under 15USC 1681.

Equifax is govern by 15USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX. 
XXXX - XXXX XXXX XXXX