davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (VA)

On XX/XX/2020, I noticed I received a tradeline on my Credit report from LVNV Funding, LLC for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/20. Ive obtained all receipts and signatures that my letter was accepted by the agency. 

By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/2020 and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

Someone named XXXX called my business to confirm info re my amex card. i called amex directly they confirmed it was not their number and it was a scam. phone # he requested i call back is XXXX.
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

The owner died unexpectedly in XX/XX/2021. My office was hired to probate the Estate. We have been diligently working on this probate which has real estate in Massachusetts and Rhode Island. That is to say it is complicated and takes time to process through the courts. We were able to get the RI property listed a couple of months ago and had to drop the price several times. We are now in the process of requesting a short sale. The first lienholder would receive most of what they are due but the 2nd lienholder would not. This is another time consuming process. We requested the foreclosure be postponed and the primary lienholder denied the request. This is the 1st foreclosure sale date and the property will sell for far less than what is owed to the primary lienholder at auction. In addition, the heir and Administrator has put a great deal of time, money and energy in preparing the property for sale. Under the XXXX case, I believe the lender has to give you the opportunity to sell it privately when you have a Bona Fide Purchaser.

We need help in getting this postponed so we can perform our fiduciary duties to the estate and the heirs.
Consumer complaint received 2022-08-04
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MS)

On XX/XX/2019, I checked into the XXXX XXXX in XXXX XXXX, AL. I had 2 rooms reserved for our stay. The first room, # 300, for two nights in the amount of {$490.00} was charged to my Discover card. There was a {$240.00} pre-authorization fee charged to my credit card, this charge was reversed or rolled off my Discover card. My second room, # 104, in the amount of a {$430.00} was charged to my card. There was a {$240.00} pre-authorization fee  charged to my card that did not roll off or reverse. 
This charge, {$240.00} was placed on my card XX/XX/2019 ( see attached billing statement ). The letter from the merchant dated XX/XX/2019 states that the pre-authorization charge was placed on card and reversed on XX/XX/2019, perhaps that charge was reversed, but as you see the additional {$240.00} was placed on my card XX/XX/2019 and not reversed. 

I have contacted the merchant by phone and Discover by phone and mail. Discover considers dispute valid and no further investigation warranted. I am not sure how Discover arrived at their conclusion ; however, the charged is definitely invalid. I am not disputing the bill for the two rooms, but the reserve hold charge of {$240.00}.

Please assist me in getting this matter resolved.
Consumer complaint received 2019-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Would like to see paperwork showing which mortgage company Countrywide settled my loan payoff at time off purchase XX/XX/2008. Who previously held my note? No official legal documentation can be located to justify those figures quoted over phone interviews were ever produced as promised to myself. 
I paid for the title search myself and I would like a copy of as well. 
Also, because I was on XXXX, I was exempt, as in previous years, however that arrangement was cancelled by Countrywide Bank or Countrywide Mortgage or Bank of America or XXXX XXXX. My property was sold amoung 3 financial institutions in one single day XX/XX/2008 and Bank America becomes the servicer. 
I deserve access to files that were never presented to me as proof of transfer, by way of Promossory Note, which was never filed with any legal authority. 
If you would clear up my concerns, perhaps we could reach a mutual agreement to avoid me facing a foreclosure like so many thousands before me.
Consumer complaint received 2022-08-04
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-08-04
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2019-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/2018, used XXXX to get a free credit report. I filled out the required form and selected TransUnion where I was redirected to the TransUnion website. I expected the free credit report link to be clearly identified, but instead it had an article on credit reports and sales pitches for other services such as " absolutely free '' XXXX. It was unclear which button, if any, would lead to the free credit report. I clicked on a couple of buttons and both led to a form page. After chasing links, I decided to fill in the form page information to see where it would lead ... hopefully to the free credit report. I provided required information including social security number and credit card information. The site said personal credit information is required for identity confirmation only. Then I was required to click an " I agree '' button with no mention of fees, that I hoped would lead to my free credit report. Instead I received a message about being billed {$19.00}. I tried to backtrack, delete, cancel, etc., to no avail. Now TransUnion is withdrawing {$19.00} from my bank account every month. I called the telephone number associated with the charge on my bank statement. The representative said the charge was for TransUnion membership. I did not knowingly authorize this charge. 

I found TransUnion 's website information to be deceptive. Because they deal with sensitive credit information, I mistakenly assumed TransUnion would be forthright in their business dealings. However, credit reporting companies are for-profit entities and as with any company, that sometimes includes questionable business practices, or at least clever marketing tools that mislead trusting consumers. 

TransUnion should be clear about fees associated with all services and tell their potential clients that the button they are about to click will charge a fee to their credit card or bank account. They also need to clearly describe how to cancel their services. There should be no surprises when transacting business with a credit reporting company such as TransUnion.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NC)

XXXX closed my account after being opened for 30 days or less. Stated that they sent a letter explaining the reason, which I haven received as yet. The problem is, this company has caused by credit score to decrease drastically and I'm currently in the house buying process.
Consumer complaint received 2024-10-27
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: EQUIFAX, INC. (NC)

Dear Sir/Madam, I am writing to demand the immediate removal of unauthorized hard and soft inquiries from my credit report. In accordance with the Fair Credit Reporting Act ( **FCRA** ), specifically **15 U.S.C. 1681**, and under the authority of the **Consumer Financial Protection Bureau ( CFPB ) **, I have the right to accurate reporting of my credit history. After reviewing my credit report, I have identified multiple inquiries that were made without my authorization or permissible purpose. These inquiries are as follows : Please note that I **authorized inquiries** from **XXXX  XXXX**, **XXXX XXXX**, and **XXXX XXXX**. All other inquiries on my credit report are unauthorized and must be removed immediately. 

Legal Basis for Removal : 1. **15 U.S.C. 1681b ( f ) ** : Credit reports may only be accessed by parties with a permissible purpose. If an inquiry was made without my explicit consent or a transaction initiated by me, the inquiry is unlawful and should be removed. 

2. **15 U.S.C. 1681c ( a ) ( 2 ) ** : Credit bureaus must ensure the accuracy and completeness of consumer reports. Any unauthorized or erroneous inquiries must be removed to maintain the integrity of the report. 

3. **15 U.S.C. 1681i ( a ) ( 1 ) ** : I have the legal right to dispute any inaccurate or incomplete information on my credit report. Upon receipt of this dispute, the credit bureau is required to investigate the matter within 30 days and correct or remove any inaccuracies. 

4. **15 U.S.C. 1681s-2** : Furnishers of information, such as creditors or companies making the inquiries, are legally required to provide accurate information. Any inquiry made without my explicit consent violates this statute and must be corrected or removed. 

Action Requested : - **Immediate removal** of all unauthorized inquiries from my credit report. 
- Written confirmation that these inquiries have been deleted. 
- Assurance that no further inquiries will be added to my credit report without my explicit consent. 

Failure to remove these inquiries in a timely manner could result in the need for further action, including filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and pursuing legal remedies for willful non-compliance under the **Fair Credit Reporting Act**. 

Please consider this a formal dispute of the unauthorized inquiries. I expect a response and resolution to this matter within the legally mandated 30-day period, as required by **15 U.S.C. 1681i**. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-12-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

This letter serves as a formal notice of a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e ( 8 ), in connection with your actions related to the alleged debt account in my name. Pursuant to this statute, it is unlawful for a debt collector to communicate or threaten to communicate credit information that is known or should be known to be false, including failing to communicate that a disputed debt is, in fact, disputed. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the XXXX XXXX ruled that a debt collector violates 1692e ( 8 ) if it fails to inform the credit reporting agencies that a consumer disputes a debt. The court emphasized that failing to report the disputed status of a debt can mislead potential creditors or other third parties, constituting a material misrepresentation. 

Case law has affirmed my right to request a cease of debt collection communication. And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that the consumer 's request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my right under federal law. 

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reinforces the consumers rights to privacy and any obligation debt collectors to honor requests for ceasing of contact. Ignoring this cease and desist demand will constitute harassment and violation of the FDCPA. 

In light of this case law and the statutory requirements, I am hereby informing you that I dispute the validity of the alleged debt in question. Any further communication of this debt to third parties, including credit reporting agencies, must reflect its disputed status. 

Additionally, under 15 U.S.C. 1692c ( c ), I demand that you cease and desist from all communication with me regarding this debt, except to notify me of legal proceedings, if any.

Please be advised that failure to comply with this notice will result in further legal action. This could include filing complaints with the Consumer Federal Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies protecting my rights. 

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this in the system demand and will comply with it accordingly.
Consumer complaint received 2024-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (CA)

On XX/XX/year>2024, I was going through my credit card notifications when I came across an alert with a new address added to my social security. When I checked the address it was a unfamiliar address in the state of Nevada. Which is is outside of California where I currently reside. As I scrolled through my older notifications, I saw an older message from XX/XX/year>2024 with the following " It looks like you received a major derogatory mark on your credit report for your account with AARGON AGENCY INC '' These notification were received through the XXXX  app. After this, I checked my credit card history and loans that I had on my name and saw that there was a balance of {$660.00} that I owe to AARGON AGENCY INC. I had never heard of that name before so I immediately contacted my bank and received help. I called the agency and they looked for my personal information and couldn't find anything. I was asked for my SSN which I didn't feel comfortable providing. I proceeded by calling XXXX bank again where I filed for fraud and got help by directing me to filing a complaint with the Federal Trade Commission. 

Thank you for your help in solving this matter.