davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management (TN)

1.I have never had an account with this company FOX COLLECTION CENTER , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are FOX COLLECTION CENTER the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-02-01
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. (NC)

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Consumer complaint received 2023-01-05
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: Affirm Holdings, Inc (NV)

AFFIRM INC - Account # XXXX ( XXXX ) I recently obtained a copy of my consumer report from XXXX, and noticed a payment that was reported as 30 days late in XX/XX/XXXX by your company, which I have disputed a few times to no avail. 

Pursuant to the Heroes Act ( Section 110401 ) : 1. You had a duty to suspend negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days.

2. You had a duty to prevent credit scores from being ruined by preventing adverse information being added to my consumer report, and prohibit the credit score furnishers from lowering my consumer credit scores during the COVID-19 pandemic.

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) -Exclusions : A consumer report shall not contain information solely as to transactions or experiences between the consumer and the person making the report Pursuant to 15 U.S.C 1681 section 602 A. States that I have the right to privacy. And you have violated my rights by sharing my NONPUBLIC PERSONAL INFORMATION with a third party entity namely XXXX, The Gramm-Leach-Bliley Act was enacted on XX/XX/XXXX. Pursuant to Your Obligation under this privacy rule : You did not provide me with a clear and conspicuous written notice describing your privacy policies and practices, and you never provided me with an " opt-out '' notice explaining my right to direct you not to share my NONPUBLIC PERSONAL INFORMATION with a nonaffiliated third party ; nor did you give me a " reasonable opportunity '' to exercise my right to opt-out ; give me a reasonable way to opt-out within a reasonable amount of time before you disclosed my NONPUBLIC PERSONAL INFORMATION
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across thislaw today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/blockany items not later than 4 business days. Ive already included this in my previous complaint & I am including itagain., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (MA)

I paid my student loans off during COVID so my student loan debt was {$0.00}. I had my loan with XXXX. I requested a refund of {$10000.00} in XX/XX/XXXX. I was told that it would take up to 2 months to get my refund. I informed the agent that I no longer have the bank account I made my payments with as I moved. The agent told me that would not be an issue and they would attempt to direct deposit the money into my account 2 times and then mail me the a check.They confirmed my correct address and contact info. I have heard nothing regarding my refund. I have called every month since the refund request and am getting the run around and different answers every time I call. No one is able to give me exact information at XXXX XXXX when I called. My student loan on XXXX now states my bill balance is {$10000.00} but I have never received my refund. 
My loan was transferred to Aidvantage in XXXX. I spoke with them on XX/XX/XXXX. They told me they can see that when they received my loan on XX/XX/XXXX they saw my request for my refund that XXXX XXXX submitted and they said it was approved by the House of Treasury but could not give me any information on when I would be getting my check. They said I have to just wait and that they could do nothing to help with the refund since they received my loan transfer in XXXX which showed that XXXX had initiated the refund and was already approved by the Treasury. They gave me a number to call, which was the IRS number but the rep at the IRS had no idea what I was talking about when I called to inquire about my refund status. Aivantage says they can not do anything and XXXX XXXX no longer exists to ask them questions. I am concerned that I am not going to get my {$10000.00} refund check that I requested in XXXX and it is extremely frustrating that no one knows the exact status of my refund, when I should be expecting my refund, or who I can talk to about it, but there was no issue quickly with reinstating my loan to reflect that I owe {$10000.00} again. I need help with this issue I have been dealing with now for almost 4 months.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Greetings, The problem company is Specialized Loan Servicing LLC. The problem goes back for years right now I am not in liberty with the exact dates but I do have current dates. In XXXX of XXXX, I mailed a payment of {$1300.00} to SLS. They claim that they never received the payment. So I stopped payment on the check. On XX/XX/XXXX, I submitted an electronic payment to SLS and I was current afterwards. In XX/XX/XXXX everything was fine with the payment but my wife had panicked and mailed SLS a payment for XX/XX/XXXX and I also paid SLS Loan servicing electronically in XXXX, With XXXX 's payment ( XXXX ) check already cleared by my bank of XXXX XXXX, that meant that my wife 's payment was for XX/XX/XXXX, this current mortgage payment. SLS only applied {$500.00} to the XXXX payment. My wife mailed 3 money orders to Specialize Loan Servicing. Two {$500.00} money orders and 1 money order for {$360.00}. 74, when we spoke to SLS about a week ago they told us that they didn't receive any payments. After a heated discussion on my behalf they finally told my wife and I that they have a {$500.00} money order payment and the other {$500.00} money order plus the additional {$360.00} dollar money order had not been applied to the account for the month of XX/XX/XXXX. We were told that only one money order was scanned and that the other money orders were not scanned. In which I personally believe that fraud is involved with the additional money orders. It makes no sense to receive three money orders in an envelope for a mortgage payment and only apply one of them to the mortgage payment. Specialized Loan Servicing holds our mortgage payments in order to get money from late charges. I had been using Priority Mail from the USPS in order to track the mortgage payments through the mail. I have much more details about SLS but the character input on this website are limited. Please help. I'm sure I am not the only SLS customer to be defrauded in this manner.
Consumer complaint received 2023-01-27
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: MOHELA (CA)

Credit Repair Service In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 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 2023-01-31
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. (VA)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy.

15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction.

Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX 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 2023-01-05
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: KLS Financial Services, Inc (MS)

I am writing to inform you that KLS Financial Services has refused to respond to my requests for documentation and information regarding a debt they claim I owe. They have also stated that they are not licensed to collect debt in the state of Mississippi, yet the only states that do not require a license for debt collection are Georgia, Kansas, Kentucky, Michigan, Missouri, Montana, New Hampshire, New York, Ohio, Oklahoma, Pennsylvania, South Dakota, Vermont, and Virginia. 

I am concerned that KLS Financial Services may be operating outside of the law and taking advantage of consumers. I am also alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating accounts. This is currently being investigated by the FTC. 

Under the laws of the United States, I swear that the information I have provided in this letter is true and correct to the best of my knowledge. I am permitted by federal and state law to file this dispute, and any misstatements in this letter are punishable as perjury under 18 U.S.C 1001 and 18 U.S.C 1621.

I request that the CFBP take action to investigate KLS Financial Services and their practices, as well as assist me in obtaining the necessary documentation and information from them.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OH)

I accidentally missed a payment on my Torrid store credit card. I received a call from someone collecting for Commenity/Bread Financial XXXX The caller 's behavior was unprofessional and more importantly violated FDCPA. 

FDCPA violation details : The caller did not identify himself by name or that he was collecting a debt. Did not tell me he was calling on a recorded line. Did not verify any personal information other than saying my first name and waiting for me to respond to it. He then stated the balance due and my checking account information without any verification. His lack of professionalism made me uncomfortable and I declined to make a payment with him and instead scheduled a payment on the website. 

Follow up attempt with the company details : I called the company directly to address the issue. First person I spoke with pressured me to divulge details of the payments I scheduled on the website ( 1 for the same day to bring the account current and 1 for the due date for the regular monthly payment ). He stated he couldn't see the payments scheduled. I explained they were scheduled and I was calling to get information about the call I had received and that is what I wanted to discuss at this time. Rep transferred me to a supervisor who was very nice and knowledgable but explained she needed to get me to a higher level escalation team because FDCPA violations are out of her purview. There was no one available, so we left it at she'll have someone call me back.
Consumer complaint received 2023-02-01
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are three hard calls inquiries on my credit report that needs to be removed and I called transunion and other credit Beaures to take this hard inquiries out and siting congress passed law FCRA law that protects individual privacy and rights. But was told to call the organization that requested for my credit check and ask for letter of remover, however no one is helping. Please kindly help me to resolve this issue with transunion and other credit Beaures. The two organization that enquired into my credit report are XXXX XXXX [ XXXX XXXX ] on XX/XX/2023 and XXXX XXXXXXXX XXXX on XX/XX/2023.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (WI)

XX/XX/ -called 3 times had XXXX different representatives pretend to deactivate my account XX/XX/ -I chatted online with multiple agents trying to have my account deactivated still no luck XX/XX/ -spoke with them on phone and chatted trying to explain it wont let me deactivate my account because its saying I have money in my savings but they informed me over the phone that I did not have money in savings so can they please deactivate my account XXXX -I spent over XXXX hours going back and forth on the phone and chatting with them trying to get my account deactivated and they said they couldnt they tried but I dont understand how they could make me keep a membership I dont want