davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-09
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. (GA)

I bought a XX/XX/XXXX XXXX that is financed through XXXX XXXX in XX/XX/XXXX. Up until todays date, XX/XX/XXXX, Ive had my credit ran by XXXX XXXX XXXX for tv and internet services and for XXXX XXXX loan  services. So that is a total of 3 different I quires to my credit from XX/XX/XXXX up until present time. As Ive been keeping an eye on my credit the past 3 months getting ready to purchase a home I notice a total of 87 hard hit inquiries on my report that I did not authorize. Ive disputed this information with equifax twice and was guaranteed it would all be fixed, but each dispute they refuse to correct the inquiries. Also, I have an XXXX filed against me that was done in error which I have the documents from magistrate court showing it was dismissed but its still showing on my rental history background. Please help me so that I can purchase a home for myself and children.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: REGIONS FINANCIAL CORPORATION (TN)

XXXX XXXX  was bought by XXXX/XXXX. When it was XXXX  my paycheck was loaded at XXXX. For years consistently. Now with XXXX  it's sometimes XXXX sometimes XXXX or XXXX. Every week it's a different time. And it's 100 % there fault
Consumer complaint received 2020-01-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: First Investors Servicing Corporation, Atlanta, GA Branch (PA)

I refinanced my vehicle loan with First Investors Financial in XXXX of XXXX. There was a ton of back and forth with me having to pay my old lender because checks weren't sent on time, then they were asking for payments too, etc. We finally got that straightened out and I was able to make my first loan payment. 



Unfortunately, I have numerous health issues. The main one being that I am 100 % XXXX  in one XXXX  and 80 % XXXX  in the other. This leads to frequent FMLA leave usage from work where they won't fire me, but I also won't get paid. 



I went through a horrible period where I had multiple surgeries and was out of work for a good period of time. My wife, who is authorized to speak on my account, called in to see if we could get assistance with catching up on payments since I am now back to work. 



To begin with, every person she spoke to was rude to her. She got put through to an account manager that told her that my loan had not been up for repossession review but since she called, she was going to push it through for review. My wife called to work out a solution and was told her call just made things worse. 



The rep didn't listen to my wife when she tried to explain our situation. Instead she strong-armed my wife into a payment plan that my wife told her we couldn't possible meet. We requested an extension, or to tack the missed payments on to the end of the loan, but she refused to do anything but basically force us to make 4 payments in one month. 



My wife made a payment of {$640.00} on the XXXX of XXXX as agreed. Then the other 3 payments were to be made on XX/XX/XXXX. However we only had enough money to make 1 payment of {$640.00} on XX/XX/XXXX. We are still behind XXXX, XXXX, and XXXX. My wife scheduled another payment of {$640.00} for on XXXX. 

Now I get a letter in the mail today XX/XX/XXXX. That was allegedly sent on XX/XX/XXXX saying I have 13 days to pay {$3000.00}. Getting the letter today has essentially given us 2 business days to come up with {$3000.00}. I struggle to believe this letter was mailed on Thursday of last week and is just getting here. 


We are trying our best to catch up on these loan payments, however we are receiving no help and just outright rudeness when we call to ask for help and also questioning why it is my wife doesn't work. I had not anticipated being off of work for the better part of a month and missing payments. I am now back to work and can keep up with the regular payments, but I we don't have enough to catch up on XXXX quick enough to stop repossession. 



We are just asking for an extension of XXXX payments and fees to the back of the loan so that we can make our XXXX payment and be current and not have to worry about the threat of repossession. Any help is greatly appreciated. First Investors should have a phone number to reach my wife or my e-mail address.
Consumer complaint received 2023-03-03
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : OFFICE OF THE ATTY GEN XXXX Balance : {$19000.00} US DEPT ED XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$2700.00} US DEPT ED XXXX Balance : {$4000.00} US DEPT ED XXXX XXXX : {$1600.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1100.00} USDOE/XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-03
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. (TX)

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in 20004. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 C-2EQUIFAX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NC)

ENHANCED RECOVERY COMPAN 11 XXXX Is trying to collect a debt from XX/XX/XXXX. They have open an account on XX/XX/XXXX on my credit report stating I open a new account. I have not open any account with XXXX in XX/XX/XXXX. I have disputed this on XXXX and the collection agency stated is refusing to delete from my records. I have no knowledge of this account and want it taken off.
Consumer complaint received 2023-03-02
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. (TN)

I have submitted several disputes to reporting agencies and i have not been receiving the proper treatment at all. When i call they hang up on me or refuse to send me to the right department to resolve my credit reporting issues
Consumer complaint received 2023-03-06
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Accordance with the fair credit reporting Act XXXX capital one account # XXXX and also XXXX XXXX account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I the right to privacy, 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

On XX/XX/year> i recieved a letter through the mail about an alleged debt that I don't owe. I have never done business with this company before and I verified on XXXX XXXX Secretary of state website and they are not registered to do business in the state of XXXX XXXX. They don't have legal right to contact me about anything I never gave consent for XXXX XXXX XXXX to access my information at all and I didn't give any original creditor permission to release my information to a third party which is XXXX XXXX XXXX whom has no wet signature from me acknowleding them. They are on my credit report without sending a validation letter first. I had no knowledge of this however I did a dispute with the bureau and I don't know if the company is aware of that and I don't know if they were contacted.The last I knew this was resolved as customer disagrees and that was it until today.
Consumer complaint received 2023-03-05
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: TekCollect Inc. (MD)

There is an account on my credit profile from TEK-COLLECT with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between me, the consumer, and TEK-COLLECT would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to a such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I have not received any debt validation notice from TEK-COLLECT as they were lawfully required to provide it to me, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that TEK-COLLECT has sent a debt Validation Notice to me, the consumer. Written and verbal communication directed via FDCPA was not provided to me, the consumer ; allowing me to properly dispute this invalidated debt.
Consumer complaint received 2023-03-02
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)

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 Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX  Account XXXX, Account name : XXXX  Account number:XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX XXXX  Account number:XXXX, Account name : XXXX  Account number:XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX  Account number:XXXX, Account name : XXXX XXXX  Account number:XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I hoped I picked the right section to make this complaint in. Here 's my situation. 

On Monday XX/XX/year> I noticed some transactions on my bank account that weren't made by me. I called capital one and explained the situation to them, They credited me back the money while they investigated the disputed transactions and sent me a New debit card.

Their we're 4 transactions.While the investigation was going on i contacted some of the companies and was able to get refunded, the other company said they already shipped the items and couldn't do anything. 

Pirate ship : ( XXXX ) refunded me XXXX  XXXX : ( {$190.00} ) refunded me XXXX  XXXX : ( {$120.00} ) not refunded XXXX : ( XXXX ) couldn't contact So today I just an email about the outcome of the investigation : XXXX : Approved XXXX XXXX : Issue resolved with merchant XXXX XXXX : Denied Our review of internal systems and information provided by the merchant shows the transaction is valid.

While the first 2 I agree with, the 3rd one is what I have the issue with. 

I'm not sure how they came to this conclusion if they investigated it. 
I didn't make this transaction. 

I have evidence that I didn't make it I contacted the company and was able to get the order number. The delivery address isn't mine nor is the email on the order. 
( I've attached a picture of the transaction. ) I could have provided this information to them if they asked but I was never contacted before they made a decision.
Consumer complaint received 2023-03-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOK FINANCIAL CORP (CA)

Overview : I am one of four beneficiaries to a family trust. My sister is a beneficiary and co-trustee. BOKF manages the trust and refuses to assist me in providing necessary funds that are seriously needed for living ( housing, food, clothing, medical expenses ). They refuse using the excuse that my sister/co-trustee must approve of it. She doesn't approve of it and has refused since XXXX, 2021 especially. Some money is provided which allows me to stay at a care facility for the XXXX XXXX which is a miserable place to live and I have had increasing problems living there, especially since XXXX, 2021. I am not required to stay there, I am not required to take medications nor do I even have a XXXX. I have been trying to move out of there since XXXX, 2021, and all attempts to do so have failed because my income from my work will not support living elsewhere and my sister will not provide additional funds from the trust to move out to an even minimally comfortable and adequate living situation. The trust is valued at over XXXX XXXX. I believe that with XXXX XXXXXXXX for a few months will be adequate to get my company going enough to provide self-supporting income. My sister has only permitted XXXX XXXXXXXX for rent at the care facility, and XXXX XXXXXXXX for additional spending money. I also receive XXXX XXXXXXXX or thereabouts from XXXX. My sister will not even permit sufficient money for food and clothing costs that has caused much difficulty and problems for the last year especially. The trust knows all about this and refuses to help. I will attach documents and online links to documents and emails with this XXXX complaint.
Consumer complaint received 2020-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (IN)

In XX/XX/XXXX I opened up a loan with World Finance in  XXXX Indiana. I did really well making my payments until late XX/XX/XXXX I took time off from work due to health reasons and have been out of work ever since. At the time I did explain to them why I had not been making payments and that I could not afford to make any payments at all because I was not working. They did not continue to contact me up until late XX/XX/XXXX. I do apologize I do not have an exact date. A lady from the office in XXXX Indiana called me and told me that she is charging off the account as a negative account. I tried to again explain to her that I had spoke with someone before and told them that I was not working at the time. She then informed me that I should have been more responsible because she is not responsible for the loan, that I am responsible for the loan and paying it back. She then stated I could have used the insurance for the payment protection plan that I had but I never knew that it was in my contract as I do not have access To my contract at the moment. I explained to her that no one told me about that option and she stated that it was too late to use it. She then asked me am I going to pay the balance in full or she will just charge it off and send it to collections. I told her that due to my circumstances of being out of work I would not be able to make the payments at this time. She then told me that they could come after me for my federal and stage taxes. I meant to file this complaint a couple of months ago but it slipped my mind up until I recently viewed my credit report. Im pretty sure all of the calls are monitored and recorded at the XXXX location just like all calls for any company are monitored and recorded by any company such as world finance. I would like someone to pull the tape to find out the representative who threatened to take my taxes. Since then World Finance has not attempted to call me and collect any debt the only time they call me is to ask to speak to someone that I know that also has a loan through them that use me as a reference not once have they called me about my own loan with them. I am happy to pay the debt as long as they remove the negative remarks and negative charge offs from my credit report. I will also be filing a complaint with the XXXX and the attorney generals office
Consumer complaint received 2020-01-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

My credit score should be XXXX at all three credit reporting agencies I feel I am being discriminated against because I am XXXX American.. I want a full investigation into all three credit reporting agencies.