davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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: SCA Collections, Inc. (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights 15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pintor Partners, LP (TX)

We had our bank return a series of multiple fraudulent checks that we did not issue. Subsequently, we received letters from Barri Financial Group , LLC requesting that we pay them for the fraudulent checks they cashed. We contacted Barri Financial Group twice to let them know that the checks were fraudulent and were not issued by us. We then received a letter from XXXX, XXXX XXXX XXXX demanding payment for these fraudulent checks. Initially we thought XXXX, XXXX XXXX XXXX was a law firm based on the look and tone of the letter. The letter demanded payment in full for the checks and stated that failure to pay creates a presumption of committing an offense and this matter may be referred for criminal prosecution, that they checks will be submitted to the Justice of Peace for processing criminal charges and a warrant will be issued for your arrest. The letter also incorrectly stated that the checks were returned due to insufficient funds. Upon receipt of this letter, we sent an email to XXXX XXXX, the contact provided on the letter, informing that the checks were returned as they were not issued by us and that we were not responsible for the fraudulent checks cashed by their client. We received a short email response back stating they will update the case and will reach out if they have further questions. We then received a second letter from XXXX, XXXX & XXXX labeled Notice of Investigation that threatened to make an onsite visit, record images of the facilities, contact banking institutions, creditors and vendors. It also threatened to seek reimbursement for all costs incurred, file liens on any property associated with the debt, file Writs of Execution upon judgement through the County. Upon receiving this second letter, we looked up the company and found that they are actually a debt collection company as opposed to a Law Firm. 
I have attached a copy of all the communication referenced above
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (TX)

I have already submitted previous complaint with no response after 30 days. 
I am able to ask for {$1000.00} for the no response per FCRA
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I reached out to Transunion several times about these inaccurate collections that's reporting on my credit report.They sent me a letter stating they verified the information.they did not send me the original documents that was signed in which violates my hippa rights, At this moment I'm not threating to take legal actions against Transunion.I will because i have the paperwork to prove they have violated me as the consumer and made false allegations to keep this reporting on my credit report
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

This complaint is against JPMorgan Chase Bank. 
I opened an account around XX/XX/21 made a deposit of {$1200.00} on XX/XX/21 account restricted called loss prevention several time had to verify my identity, did that still restricted, went to institution asked why my account has been restricted, All representative of JPMorgan Chase Bank stated " back office restricted and they don't tell us why ''. Following day I Called loss prevention agian, the restriction was lifted, account then restricted agian on XX/XX/21 after an unauthorised transfer was attempted by JPMorgan Chase bank on XX/XX/21 that was scheduled for XX/XX/21 costing me {$15.00} NSF fee from my account atXXXX XXXX XXXX my account has been restricted since XX/XX/21, I have not had access to do any transactions to the present date of filling this complaint. My present balance was {$1300.00}. On XX/XX/21 I called to check my balance and was informed by automation my account balance was {$950.00} I had no pending transaction nor was I able to perform any transactions. 
On XX/XX/21 an XXXX XXXX " branch complaint escalation group '' contacted me and said they closed my account and would be mailing me a check in 7 to 10 business days. As of the date of this complaint, I have received nothing with no communication from JP MORGAN CHASE BANK. 

Please see list of contacts and dates documentation.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. Kawaauhau v. Geiger, 523 U.S. 57, 61 ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute Wells Fargo has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
Wells Fargo is XXXX according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is XXXX? Read their validation letter Does the letter says XXXX high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you XXXX responsible to allowing this Malicious attack and you are an accomplice to this behavior As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.
Consumer complaint received 2016-01-15
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (MN)

I am a co-signer on a private loan my son has. It went into default, I was never notified about the default, no calls no mail until a XXXX Envelope this date. Three months and NAVIENT reported her late and in default. How can they do this without contacting her to cure the problem. This totally killed our refinance we are working on for our home. I talked to a Rep at NAVIENT and he told me to write to them to get this corrected. That will take us into XXXX, The loan as of this date was made current by myself.
Consumer complaint received 2022-08-30
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. (FL)

Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. Kawaauhau v. Geiger, 523 U.S. 57, 61 ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute XXXX XXXX, has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
XXXX XXXX is {$190.00} according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is {$190.00}? Read their validation letter Does the letter says {$190.00} high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you Equifax responsible to allowing this Malicious attack and you are an accomplice to this behavior See attached this is incorrect and not factual it lacks the 100 % accuracy and therefore you must remove immediately. late payment as I have enclosed their malicious slandering and I hold you Equifax responsible for my injury. For you have failed to obey the rules and caused me haram and damages As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.
Consumer complaint received 2022-08-30
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. (MD)

XXXX XXXX XXXX has violated my privacy rights according to 15 USC 1681 section 602 states I have 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 written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2021-07-19
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. (IL)

IVE SUBMITTED LETTERS TO THE CONSUMER REPORTING AGENCIES REGARDING SOME ACCOUNTS REPORTING ON MY FILE. THEY ARE VIOLATING MY CONSUMER RIGHTS UNDER 15USC1681A ( 4 ) AS I HAVE A RIGHT TO PRIVACY. THEY ARE ALSO VIOLATING 15USC1681A ( 2 ) B AS I HAVE THE RIGHT TO EXCLUDE THESE ACCOUNTS THAT ARE REPORTING ON MY CONSUMER REPORT AND UNDER 15USC1681N THEY ARE NOT COMPLYING WITH ME AS THE CONSUMER.
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (FL)

My name is XXXX XXXX. On XX/XX/2022 I transferred money from my TD checking account ( using XXXX ) to my XXXX XXXX checking account in the sum of XXXX XXXX dollars. The money was never received by XXXX XXXX XXXX XXXX. Following many trips to TD bank to try to rectify the problem, TD has refused to return the money.
Consumer complaint received 2022-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

Edfinancial Loan provider needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled to. These refunds are taking up to 150-200 days with no email or paper trail confirmation. 

Many people are getting their refunds much faster with other loan providers, but Edfinancial services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. 

Please if anyone is reading this I'm sure there are other complaints about Edfinancial services. 

HELP US PLEASE
Consumer complaint received 2021-07-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Advanced Resolution Services Inc. (MD)

ARS is verifying an incorrect inaccurate Bankruptcy on my report and is refusing to correct the inaccurate reporting or send me a report under the FCRA i am entitled to fair reporting
Consumer complaint received 2018-12-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (VA)

We refinanced our VA loan for the lower interest rate and our loan was sold to Dovenmuehle Mortgage Inc out of XXXX XXXX, IL. I have been calling them for about the last XXXX months every few days with no resolution. I am 100 % XXXX vet and do not pay real estate taxes. I filed the paperwork with Dovenmuehle and they initially acknowledged it, changed my payment and refunded some of my money. A month after that they paid the state an additional XXXX for what they said was a real estate bill ( the state knew nothing about it. ) I called the mortgage company again and they said they would research it, none of their reps can explain or even understand whats going on in my account, they are extremely rude and now my mortgage payment has gone up to more than what it initially was and they are saying I owe them money. I have complained to them numerous times, they wont allow me to speak with a supervisor And their complaint department are the same worthless customer service reps. Also in the process of me complaining they also sent a letter for another customer XXXX and XXXX XXXX in XXXX XXXX, Sc that includes their property address and loan number.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P. (OH)

1. XXXX, XXXXMultiple attempts to pay off XXXX Credit Card ( XXXX via XXXX ). Confirmed complete via call center operators.. Account # : XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX passed away. 
3. XX/XX/XXXX, XXXXFinal payment sent for oustanding payment installments of {$60.00} 4. XX/XX/XXXX, XXXX cashed check acknowledging final payments sagainst account 5. XXXX, XXXXResurgent " bought '' debt from XXXX and began harrassing phone calls and letters trying to collect ONLY accumulated Interest and late fees of {$290.00}. There are NO outstanding products with payments due since XXXX. Again, Resurgent is claiming we owe on interest and late fees only through XXXXXXXX XXXX 

This is harrassment to an already grieving family and we request help to cease and desist.
Consumer complaint received 2022-08-30
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (OH)

XX/XX/XXXX. I applied for financial pause in payments due significant other having XXXX XXXX and house flooding and was creating financial backing in the even she needed help. I used my cell phone while working XXXX as a XXXX XXXXXXXX in a rural area and pressed yes to process and finalize the pause in payments for 90 days. XX/XX/XXXX came around and my truck was repossessed with any notificatinon via email of phone calls, voicemails from XXXX numbers were dificult and next to impossible to understand as the call center was from another nation. I called to inquire and was told by two differant agents that XXXX XXXX XXXX cash was to be sent to get my truck out of repossesion. This was done within 6 hours. The following day I called to see if the XXXX XXXX  was received and I was told the wrong amount as it was XXXX. I was able to have the truck released however the repossesion which was wrongful was on my credit report and after spending multiple days in XXXX to get an extension on my lease I was told I was not able to do so without reasoning. I than called to find out when I need to have the truck returned to the Dealership. I was than informed XXXX $ outstanding balance and that I payed in 10 minutes. Never received any notification that my extension was approved. I went to 10 dealerships to tade the truck in and all the buyouts were different and fluctuated by XXXX XXXX The dealerships were also given my buyout for whatever reason so XXXX XXXX tried to take advantage of this and when I enquired about a Lease buyout I had not received any information, let alone was able to speak to anyone as I was diconnected by Ally reps or connected to a completely different company. However, XXXX XXXX XXXX was able to get through within 5 minutes and tried to undercut my buyout and I was not given any buy out packet by either Ally or the dealership. In the attempt to not have the truck repossessed I had to go to XXXX XXXX XXXX and trade in the truck and due to the Late payments, repossesion, and hard inquiries that I had not given permission to ALLY my credit score was poor, thus creating financial hardship with a used vehicle that I would be able to afford if my credit report was recitfied by ally and their wrongfull reposession, late payments of 90 days which are due to the same situation I would not be in this predicament. I served our country in the XXXX for 12 years and am a XXXX veteran, and currently a XXXX XXXXXXXX. I wish to have at the very least my credit report corrected and have the opportunity. The entire lease from XXXX I was not able to use the app or login despite calling and inquiring and not able to establish auto payments and was nearly late on every payment despite paying the entire loan in full.
Consumer complaint received 2023-09-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: UNITED FIDELITY FUNDING, CORP (VA)

This company is located in XXXX  XXXX Missouri. They ran my credit back in XXXX of 2023. I was pre-approval for {$280000.00}. The home that I found was originally at {$230000.00}. So my agent suggested that I go in higher to get ratified. I was ratified for the home. The lender never locked in a rate for me when I asked him several times. The lenders kept saying that they saw XXXX and judgements from medical bills. Which was not true. I had it in collections and its {$1100.00}. He also delayed the closing to XXXX. He and his company personnel kept trying to get other personal information about me and kept calling the Title officer. The lender needed more information about my income and so I gave him the necessary information. Then he tells me that I needed to get appraisal done. He asked for my debit card information. I gave him the card and he charged my card {$610.00}. Dollars. Last Friday on XX/XX/2023. XXXX XXXX delayed to tell me that we can not do this loan and wanted more money for closing. I believe that he never wanted to give a FHA loan. United Fidelity Express XXXX XXXX
Consumer complaint received 2017-08-31
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. (TX)

I have XXXX student loans that i 'm currently paying, in good standings that are reflecting on my credit report with another company ( XXXX XXXX XXXX XXXX ) that are closed. 

XXXX XXXX XXXX XXXX in the amount of {$8500.00} and {$2900.00} these are closed XXXX/XXXX/XXXX and took over by XXXX. 

XXXX XXXX XXXX in the amount of XXXX was closed XXXX/XXXX/XXXX and taken over by XXXX.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that XXXX, EQUIFAX AND XXXX initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : 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 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that XXXX, XXXX AND TRANSUNION initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : 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