davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALL FAMILY FINANCE, LLC (GA)

I purchased a used vehicle XX/XX/2017 and did a voluntary repo on I believe XX/XX/2017. The vehicle was bought back to them twice with mechanic issues and the week I gave it back it stopped shifting into third gear when driving..reason why I gave it back. I financed the vehicle through them and they are still wanting to collect on a vehicle that had nothing but issues. I understand about the used car laws with consumers that we pretty much are n't protected but their should be something or someone out here able to protect us from USED CAR DEALERSHIPS that do this to hardworking people who hit hard times and have to go to lots like this. I 'm disappointed, upset, and angry. If I ca n't completely get out of this contract at least I want to try and get the amount owed reduced drastically!
Consumer complaint received 2024-04-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center (AZ)

Repeated calls and voicemails, exceeding 7 calls in 7 days multiple times. On XX/XX/year>, I was 9 times by this collector. I spoke with a manager at the company on XX/XX/year> at XXXX XXXX  for 8 minutes, and asking for them to not contact me again. I informed the manager that the company has been harrassing me, and she said I would not hear from them again. They kept calling me, that very same day, and have not stopped since.On XX/XX/year>, I received three voicemails from this collector, at XXXX, XXXX, and again at XXXX from this debt collector.
Consumer complaint received 2024-04-25
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CCF Intermediate Holdings LLC (TX)

Its been over a year since I received a loan from speedy cash in XXXX, Texas at XXXX XXXX XXXX. Now, theyre calling my family members and threatening to call my job and apartment complex in an attempt to collect a debt of {$360.00} by next Friday.
Consumer complaint received 2024-03-25
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. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MO)

XXXX payment of {$1500.00} made on XX/XX/XXXX through USBank to XXXX XXXX at XXXX  XXXX XXXX. Taken out of my account immediately, scheduled as instant payment XXXX has not received as of XX/XX/XXXX. XXXX  XXXX XXXX says not received. US Bank insists XXXX has received. US bank stated will not refund until claim is completed, taking XXXX days. 
I believe it should be refunded now since their system error. I had to send paper checks to XXXX so am out {$1500.00} through no fault of mine. I have made these rent payments through my account to hers for over 2 years with no problems until XXXX and XX/XX/XXXX. I have have been a US Bank customer for many years. I believe this is a form of theft by XXXX, which Federal Reserve says is owned by US Bank
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Velocity Portfolio Group (FL)

I took out a credit card with the original creditor XXXX XXXX XXXX to rebuild my credit in XXXX and eventually use some of the funds for a vehicle down payment. I was fired in XXXX of that same year and I was having financial problems to the point of not being able to pay timely. In XXXX of XXXX, I lost my job as they were trying to make the arrangements to help me repay this debt and get back on my feet. However, I was denied unemployment along with no financial assistance due to having friends and family that disowned me due to my financial situation as they felt I never learn. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was also evicted from my home along with losing my vehicle, I have not had a place to live since XXXX of XXXX and no vehicle due to losing my car as well. 

I had EVERY intention of repaying this debt and NO intention of this situation escalating to a financial situation that was BEYOND my control. 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 I have NO money XXXX XXXX  as I am trying to get back on my feet with stable income, a place to live and a vehicle. 

The company XXXX XXXX XXXX sent me an email along with a letter in XXXX of XXXX, I had every intention of paying the account off and no one contacted me to verify ANYTHING along with my requests to forgive this debt and I will admit to writing them VERY nasty letters with colorful language as I am VERY livid because I am trying to get back on my feet along with a place to live and a vehicle. 

I am also trying to have a stable income as most the employers, I applied to requires a credit check and I need this to get back on my feet. 
Thank you for your understanding and attention to this matter. XXXX XXXX
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

On XX/XX/2024 I received money on cash app from my friend XXXX dollars I then sent a transfer of those funds to XXXX and the funds on XXXX were never received because I canceled the transfer while it was pending on XXXX end. I then tried calling the company to see where my funds were because I thought since that no money was deposited that it would go back to Cash App. I have not received any good response about my funds. XXXX blames Cash App and vise versa. Having to prove my transfer is a violation of my character and I have been put in a position of being the most upsetting time with each of these two companies. The transfer is being investigated all because I want my money. XXXX. XXXX XXXX
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have 25 inquiries on my credit report that didn't result in myself obtaining financial services from them. As per U.S.C. 1681 sections 602 & 604 I had a right to privacy and no agency can furnish my account without my instructions. These I queries occurred roughly from XX/XX/2023 to XX/XX/2023. 
These inquiries have resulted in my credit score being negatively impacted.
Consumer complaint received 2023-02-15
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15USC 1692g ] stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2022-11-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

On XX/XX/2022, we met with our sales agent and XXXX XXXX XXXX to settle on our home we sold in XX/XX/2022. The XXXX XXXX had sufficient funds to pay the mortgage company but erred in sending the proper amount which was not found out until months later. The new owners were at settlement and moved into our home on XX/XX/2022. We were told any monies due us would be direct deposited to our account which we had set up for this purpose. Several months later we found the mortgage company only received part of the monies due ( all the money due was available with the XXXX XXXX Co ). We were notified by a banking company when we applied to buy a house in XX/XX/2022 that in XX/XX/2022, XX/XX/2022, XX/XX/2022, & XX/XX/2022, not positive but someone indicated XXXX and XX/XX/2022 that we were being reported by SPS Mortgage Servicing of being late in these months. We advised we sold house in XXXX and don't understand why we are now being reported. We found the XXXX XXXX erred in sending the appropriate amount due to typo error in their office and thus SPS took that monies and credited as monthly payments until the money ran out. We have tried to get SPS to remove the lates from our credit reporting bureaus, XXXX, XXXX, XXXX & XXXX but they refuse.eventhough we have explained the error was with Title Company which we knew nothing about for months. SPS has now been paid in full by XXXX XXXX with our assistance however they won't release the lates and we entrusted the settlement of our home to XXXX XXXX XXXX who state its up to us to get the lates off our credit report. We had no idea of this error XXXX XXXX XXXX made for several months and now being penalized. We want the late reports taken off our credit as we " sold '' our house in XX/XX/2022 and had since received a clear deed and thought everything was taken care of. We paid our mortgage with SPS for many years and never late and can't believe they will not remove these lates which clearly show were many months after we sold the house with a realtor and a title company
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (OH)

Experian has commingled my and my fathers credit. I have a XXXX but they are reporting my fathers XXXX vehicles on my credit report. They are also claiming that my income to debt is 99 % which is not true. So I am wondering just how much they have wrong.
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

I have had a Collection from XXXX XXXX XXXX, XXXX via Synchrony Bank from retailer Walmart, on my account for the past few years. I have disputed the account numerous times with the company and credit bureau 's only to have the account come back as " Verified '' every time. 

I have asked for proof that the account was opened by me, including the original application or account opening document, but it has never been provided. The company has only sent a copy of XXXX billing statements which, of course, doesn't show that the account is mine, only that it exists. 

I asked XXXX how they verify the account and was told it is simply a matrix of " personal information '' in my credit file that they compare against the personal information the collection agency is sharing, nothing more. There is no requirement to show proof of account ownership and no way to truly verify the account opening date if it is not already shown within my credit file. Therefore the entire account can not truly be verifiable and relies on a plethora of inaccuracies.

I have disputed the account in the following manners : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has sent me some forms to fill out requiring a notarized statement and a police report for " fraud '' cases. Although this may ultimately be fraud, I am unwilling to provide these forms until I have been shown the original signed document that was utilized to open the account. I haven't been provided the documentation I've been requesting within my disputes for years. I need to see the application document, the signed document, the agreement/terms and original date the account was opened as well as the last payment, if any. The burden of proof still upon the collection agency, but they are refusing to comply.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (CA)

l have a XXXX XXXX XXXX XXXX XXXX. I shop at the XXXX 's XXXX XXXX near my home and have been a customer for many years. I have always kept up with my bills, but suddenly I have received a bill telling me that I have gone over my credit limit of {$10000.00} and that I must pay them {$1300.00} by XX/XX/2022. 

I have been paying them around {$100.00} a month up until I received this huge bill. I contacted XXXX 's XXXX by phone and the woman said she would transfer me to " Hardship Cases. '' I was transferred to " Hardship Cases, '' and they told me to call the number on the bill to get information about credit counseling services. I called and there was no one there. 

I've been scrambling around trying to figure out what to do. I can not understand why XXXX 's XXXX did not deny the {$1300.00} in purchases when I ran the card in the store. I never would have gone over my limit on purpose and every card I've ever had, would automatically deny any charge over my limit. 

I can not tell you the stress and panic I have been experiencing since I have gotten this bill. 

I called XXXX 's XXXX yesterday to request a higher credit line in hopes that it would resolve the situation, but they said " NO. '' Is there anything you can do to help me? I am able to pay the {$100.00} a month.
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

EQUIFAX is obligated as per the FCRA to report accurate accounting. I, the consumer have repeatedly reported to Equifax approx. 8 times. XXXX is the 8th and last dispute regarding inaccurate information being reported onto my consumer credit file pertaining to the Attorney General of Texas account which is a fictitious debt being reported onto my consumer file. I have made several communications with the Attorney General XXXX Texas aka Office of the Attorney General - Child support division ( DUNS # XXXX ) hereinafter ( OAG ), which is state government acting in a divested, commercial capacity and not a sovereign capacity. I have demanded the OAG validate the debt and they simply will not. The alleged debt is arrearages in the amount of {$2200.00}, inaccurately being reported as {$2200.00}. It is without controversy that Title IV-D is a contract, see Blessing v. Freestone and 42 USC 603 ( 5 ) ( I ) ( iii ) ( III ) GRANTS TO STATES, and commercial, see U.S. v. Lewko, 269 F.3d 64, 68-69 ( 1st Cir. 2001 ). According to the court order/contract there is no such agreement or disclosure that interest/arrearages is apart of the transactions between debt collector ( OAG ) and alleged obligor. 

I have informed Equifax of these inaccuracies, provided with attachments and evidences. I have strong reason to believe that Equifax and the Attorney General of Texas are both conspiring together to violate my consumer rights. Equifax is allowing the OAG to investigate themselves, and closing my disputes as " verified '' without of proof of validation of debt. I am demanding that Equifax and OAG delete the information from my consumer file on deaf ears. I believe that Equifax is acting in a willful and negligent non-compliance of their obligations as mandated per U.S. law. 

The OAG is in violation of the FDCPA by not validating the alleged debt. They are in no capacity to collect upon a non-agreed-debt. I will also add, I have attached a letter from XXXX which agrees that " child support '' should not be reported onto consumer reports as they do not originate from credit transactions. 

Equifax is liable under the FCRA and the SEC to follow certain rules. Equifax commission file # XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX. 

I am strongly considering filing a lawsuit in federal court.
Consumer complaint received 2022-11-19
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: Southwest Recovery Services, Inc. (TX)

I have put Southwest Recovery services on notice to stop sharing my private information on my consumer report as I explained before you have no authority to furnish this collection nor do I have contractual obligation with your company, its partners, and affiliates. This is your final attempt to remove this collection from my consumer report as you are infringing on my right to privacy once again as I stated in my first notice. 
As you are aware you are not privy nor is it lawful to ruin my credit, reputation and cause me emotional distress for obligating me to pay an alleged debt when UCC9-109 ( d ) ( 5 ) clearly stated no creditor can transfer An assignment of accounts, XXXX XXXX, payment intangibles, or promissory notes which is for the purpose of collection only .Therefore I demand your company, its partners, and affiliates to ( Insert your demands ) for infringing my right of privacy within XXXX business and I prohibit your company from transferring this account to another debt collector. 

I am giving your company 10 days to update my request, cease furnishing my private information & cease & desist all communication unless it pertains to resolving this matter, updating my request, or sending check to my above address. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights and I demand that your company does not have an attorney contact me as that will be a violation of 15 U.S.C 1692e ( 3 ) which states The false representation or implication that any individual is an attorney or that any communication is from an attorney. And an attorney is not licensed to practice law pursuant to the supreme courts XXXX v. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( 1957 ).