davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (TX)

I reached out to XXXX XXXX in XX/XX/2021 to inquire about a homeowner 's policy with an effective date of XX/XX/2021. I never went through with signing the policy because the sales person failed to inform me that I would have to pay a broker fee. I learned about the fee when they emailed the policy for me to sign. I never signed the policy documents and the policy was subsequently cancelled, effective XX/XX/2021. On XX/XX/2021, I sent a signed letter via US postal mail to Village Capital & Investments ( mortgage company ) informing them not to send any escrow payments to XXXX XXXX XXXX. On XX/XX/2021, Village Capital sent XXXX XXXX XXXX XXXX a check in the approximate amount of {$3200.00}. Also on XX/XX/2021, Village Capital sent XXXX a check in the amount of {$3600.00}. My escrow account is now negative over {$4000.00} and no one at Village Capital can tell me why they sent a check to XXXXXXXX XXXX  when I clearly informed them not to do so. I have called XXXX XXXX and they indicate that they have not received the check from Village Capital. This is a problem.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (TX)

This debt was settled with XXXX XXXX yet Credit Collection Service is reporting the account as adverse and that there is a balance owed. 

Be advised a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that 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 that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Technologies, Inc. (TX)

an unkown company named " credit tech '' shows as hard inquiry i do not recognize or ever authorized this company to run or report on my credit. Id like for this to be removed since is hurting my credit without my consent.
Consumer complaint received 2018-02-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Dear sir or madam I have a leagal question related to advance notice of an adverse change to Agreement and Schedule of fees. 

I opened my account when I was in US almost 15 years ago. 
Then, I returned to my country, at that time, I did not close this acoount because it is convenient for me to use this account whenever I travel to US. 

I have been recieved monthly statement of my account from the bank in order to check my account out. 
But, in last XXXX, suddenly, monthly fees were withdrawn from my account. 
I did not understand any reasons for it, so I sent letters to the bank three times. 

They reund the monthly fees to my account after they recieved my letters and sent Agreemt whice guides me about my rights and obligation for my deposit account and deposit relationship with them. They also sent Schedule of fees which guides me about schdule lists account fees and the way to avoid some account fees. 

I guess that they withdrew montly fees from my accounts after they changed Schedule of fees in last XXXX. Because the date of effective XX/XX/2017 was printed on the front page of Schedule. 

However, they did not notify me this change before this changed Schedule would be effective. Schedule 's overview says " We may change the accounts and sevices described in this schedule at any time. We may add new terms and conditions. We may delete or amend existing temrs and conditions. ".

On the other hand, Agreement says " We ordinary send you advance notice of an adverse change to this Agreement. However, we may make changes without prior notice unless otherwise required by law. ". 

Here is my question. Is there any laws to describe that banks must notify this case of changes in advance? 

Sincerely, XXXX XXXX XX/XX/30
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (FL)

I am filing this complaint because my rights as a consumer have been violated under the FCRA because I have not heard anything from this company in 90 days regarding my disputes and I have sent two dispute letters requesting a debt validation to CREDIT BUREAU SYSTEMS COL PADUCAH
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

credit report is showing a tax lien that has surpassed the statute of limitations for a lien in XXXX co georgia for XXXX . i spoken with irs and paid my back taxes. its still showing oon my report. im trting to use my va benefits to purchase the home but this inaccurate lien wont go away.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

credit report is showing a tax lien that has surpassed the statute of limitations for a lien in XXXX co georgia for XXXX . i spoken with irs and paid my back taxes. its still showing oon my report. im trting to use my va benefits to purchase the home but this inaccurate lien wont go away.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06
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)

these items are on my credit report and are invalid PLEASE DELETE this ITEMS PLEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

Someone without my knowledge or consent made a deposit into my account of {$15000.00} dollars USAA determined this was fraudulent and that I was involved in it which I was not I immediately contacted USAAwhen I saw the deposit to find out where it came from they accused me without proof of behind involved in a scam and warned me any other issues with my account snd they could cancel my membership. On XX/XX/2021 after learning someone accessed or tried to access my account Usaa set my account up for credit only no debit on XX/XX/XXXX only two days later sn.individual named XXXX XXXX  tried to hsve a automatic payment paid yo his or her account to th XXXX XXXX XXXX I do not know this person nor had any connection to XXXX they Took {$400.00} from my account and charged me {$90.00} for insufficient funds fee when I had {$500.00} in the account at the time and whoever gain access into my account tried to set up o a weekly deposit from my account of. {$120000.00} a week funds I didnt even have how was this possible considering they placed my account in a credit only status deposits only is it possible thus XXXX is a USAA Employee targeting accounts that are in jeaporday of being closed? I dont know Usaa feels Im a scammer the only person to profit so far is USAAXXXX  XXXX $ XXXX.they have filed delinquent rrports with credit bureaus they should receive a fine gor this i dm a XXXX XXXX
Consumer complaint received 2021-09-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (CT)

i have recieved ten ( 10 ) emails, ( all emails ) in reference to winnings being held by different banks. the emails state in order to recieve the payoff, i must send the required fee, one notice is asking {$650.00}, another wants {$8000.00}.

I also recieved an disturbing email claiming it was from the FBI, threatning harm if i do not comply with their demands. 

i would like these scammers to be investigated for attacking the general public, especially seniors.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2022-04-28
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXX Account # XXXX has violated my rights. 

XXXX CARD Account # XXXX Has violated my rights XXXX  Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-28
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. (NV)

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-03-02
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. (TN)

Bankruptcy A-Discharged CH-XXXX XX/XX/XXXX I have disputed this several times. XXXX XXXX deleted this permanently. This needs to be taken off my report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Have them to send me the original contract with my signature agreeing to do business with them. They will not find it. Have them to remove it from my account.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 received a text from they said Equifax XXXX XXXX XXXX saying my credit score had dropped 46 points on XX/XX/XXXX and to click a link today to confirm or dispute.. Called Equifax and they said did not come from them.
Consumer complaint received 2022-04-29
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. (FL)

I never opened a XXXX card or account in XXXX or XXXX. I need this removed from my credit history. I was out of the country for over 8 years and going back. I had a credit score of XXXX before I left and now its a lousy XXXX! This is insane! I have multiple fraudulent accounts on my credit reports that were not opened by me.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IL)

THERE ARE TWO TRANSACTION THAT WAS MADE WITHOUT MY AUTHORIZATION .... I WANTED SERVICE BUT I DENIED THE SERVICE DUE TO RACIAL TENSION, YET I WAS STILL CHARGED. i EXPLAIN THIS TO THE BANK
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I searched for mortgage refinance online and came across Amerisave Mortgage, and was connected to Loan Originator XXXX XXXX. XXXX did my credit check and started the loan process, which would refinance my current mortgage at 2.5 % fixed APR for 30 years. I committed to Amerisave and gave them {$500.00} deposit, which was non refundable if I chose not to proceed with Amerisave. All this happened in XXXX, 2021. I sent them my pay-stubs, bank statements, tax filings and W-2s and house appraisal to proceed with the loan, I was prompt in responding to them them and getting them the info. Late XXXX, early XXXX I stated to contact XXXX I felt things were moving bit slow, after couple of attempts I get a phone cal, no response to e-mail telling me the loan was not locked, I can no longer get the 2.5 % rate. I lost out in a drastic way as there were other lenders offering me similar rate in XXXX. Then I was told to get 2.5 % it will cost me {$13000.00}. The initial cost that was mentioned to me in XX/XX/2021 was around {$800.00}. 

XXXX 's info : XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2019-08-21
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)

I have reached out to the credit bureau about this problem several times please help me resolve this issue. I did not authorize these ( 3 ) listed inquiries on this date. 


XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over 60 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 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this wrong personal information to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-28
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. (NV)

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-19
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: EQUIFAX, INC. (MD)

I the consumer XXXX XXXX, not a third party at all. Noticed after challenging an alleged debt proving to be inaccurate that debt was removed and then added back without any notice.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-19
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: EQUIFAX, INC. (IL)

I AM WHO I SAY I AM, I AM NOT AN ATTORNEY. I AM NOT A CREDIT REPAIR AGENCY. I AM A VICTIM OF IDENTITY THEFT. I AM A CONSUMER AND I NOW KNOW MY RIGHTS. 12 U.S.C. 5511 ( c ) ( 2 ) I received a letter from Equifax on 9/18/21 dated 9/8/21?!? Thats a ten day difference I'm pretty sure they are back dating their letters! ILLEGAL. In the letter Equifax stated and I quote " For Equifax to block information under Section 605B on the Fair Credit Reporting Act, you need to provide proof of your identity, the specific information that is the result of identity theft, and a copy of your complete and submitted Identity Theft Report '' I sent you Equifax my Driver 's License, a copy of my Social Security Card, my utility bill displaying my current address ( that you sent your letter to ), a NOTARIZED letter stating the unauthorized fraudulent accounts, and I identified every account that was a result of identity theft in my completed and submitted Identity Theft Report from the Federal Trade Commission. You are violating me and I have already been through enough. How dare you conspire with these companies against me, THE FEDERALLY PROTECTED CONSUMER!?!? Who gave you authorization to report these fraudulent accounts anyway!? I SURE DID NOT!!!! Block this fraudulent information off of my consumer report to cause no more harm, injury and suffering to me and my family.

Equifax is a RESELLER WITH FILE 15 USC 1681c-2 ( d ) ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.