davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
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. (IL)

XXXX Transunion and XXXX Has violated my consumer rights by reporting accounts related to identity theft 15 U.S. Code 1681i - Procedure in case of disputed accuracy please proceed accurately Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs. 

all documents attached to proceed with Deletion Police Report, FTC REPORT, ID, COMED BILL, and dispute letter attached 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



HERE ARE THE IDENTITY THEFT ACCOUNTS & INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX XXXX and equifax Has violated my consumer rights by reporting accounts related to identity theft 15 U.S. Code 1681i - Procedure in case of disputed accuracy please proceed accurately Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs. 

all documents attached to proceed with Deletion Police Report, FTC REPORT, ID, COMED BILL, and dispute letter attached 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



HERE ARE THE IDENTITY THEFT ACCOUNTS & INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
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. (GA)

This account of {$540.00} is fraudulent with XXXX XXXX XXXX. Ive sent in multiple proof and information. I have no knowledge of this account and did not give anyone the right to my social security number. Nor did I give any rights for this account to be placed on my credit files from this company. Delete this account immediately.
Consumer complaint received 2023-05-10
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. (NC)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: BANCO POPULAR DE PUERTO RICO (FL)

This loan was made under the Puerto Rico law # 124 10 DEC 1993XXXX 
The low interest condition was agreed under the condition that we have to live in the house for 6 years to avoid any penalties or change on interest rates, the interest rate was around 4 % ; they increased to more than 7 %. 
The closing date for the loan was XXXX XX/XX/XXXX. 
I move to Florida XXXX XX/XX/XXXX. I am submitting all the paperwork that prove that I live more than the time they required ( sorry some documents are in XXXX ). 
There ' ; s the house closing documents, my XXXX that shows when I started in my job at XXXX XXXX XXXX XXXX XXXX. 
Title study that shows that the agreement was 6 years. 
They being charging higher inerest and making more money out of that loan illegally. 
I provided all documentation and they refuse to fixthe issue. 
As a Veteran and a XXXX that serve this country I ask for help, thank you.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/23 I went inside the branch to request to transfer funds into my checking account without having to take tax. I told her more than once that I would pay for the tax at income tax. Her name is XXXX XXXX. She did not do as I requested.
Consumer complaint received 2023-09-07
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (GA)

I worked for XXXX XXXX from XXXX - XXXX. While there I contributed to a Healthcare Spending Account in Benefits Wallet. 

I recently became aware through a tax form that I still had a balance in that account - unbeknownst to me. I have for months now tried to contact Benefits Wallet to get access to these funds and have suffered through what i believe to be intentional impediments to delay their clients from accessing their funds. 

1 - Terribly long hold times - their customer service hold times are 20+ minutes- thus dissuading me and likely others like me from getting the support they need to use their HSA 2 - Maintenance Fees - They have been charging monthly maintenance fees all this time equivalent to 5-6 % of the account balance 3 - Although they had my mailing address- they never sent a message noting that my account is accruing fees and hasn't been used. Shame on them. They're earning interest from using my funds for 3 years AND on top are charging a maintenance fee.

Their business practices need to be scrutinized. As I type this I'm on hold ( XXXX XXXX  so far ) - trying to get access to my account - apparently since the account was setup with my XXXX XXXX work email and phone ( which i no longer have access to )- i have to jump through months of hoops to get access to my funds. 

This is a scam- they have XXXX incentive to help me and others like me and it shows.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NC)

XXXX in fees that were fraudulent on my kids banking transferred online from my account to theirs from various vendors such as XXXX in an online way not by my self authorized or by my children the bank researched and reversed and unreversed edit causing me to overdraft and will not refund my funds, reinvestigate claiming they are my charges, refuse to speak, or allow me to appeal. most charges are insufficient bank fees as well. i was laid off, realizing this happened over months.
Consumer complaint received 2020-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (ME)

On or approximately XX/XX/XXXX I contacted Keybank because my debit card had been declined on a several recent attempts and upon my inquiring as to card issue, I was advised I should have received a letter stating they were closing my account. I have been using this account for over 15 years. Albeit I have has my share overdrafts, but I have paid the fees and brought my account current. I never received the letter which I was advised I should receive. On XX/XX/XXXX I received a letter from Keybank stating they had issued me a new debit card because the data of a company I had done business with was exposed and my account may have been compromised. The account number referenced on the letter was not my account number. On XX/XX/XXXX I called the customer service again to be put on lengthy hold, passed to another department which was never provided and again I was told my account was scheduled to be effective XX/XX/2020. During the time I was on the lengthy phone call I decided I should start printing my records ( statements ), within 10 minutes of completing the phone call I was locked out of my online banking access. I went to branch to request my money, but was advised they needed to check into the situation and didn't want me to close my account. I waited another day to hear the manager tell me he could not provide an explanation as to why, but that I was considered a risk to the bank. This is completely shocking ... I have been a banker for over 25 years and worked for Keybank for over 9 years, I am in no way a risk to the bank. Further, once I was told there was no alternative solution, but they were closing my account. I stopped in to withdraw my funds which had been on hold for over 14 days ... all of the deposits were electronic either my payroll or a direct deposit from an investment account. They would not let me take my money and in fact it took several additional days for me to determine they actually closed my account and were going to send me a check. This was very stressful as I had financial obligations and the funds were cleared. This was emotionally hurtful, bewildered and very stressful to my financial situation and honestly hold my money captive and determine when they would close the account and mail a check which then would need to be held with a new institution that would have no experience with me as a customer. 
I want a detailed explanation as to why I would be a risk to the bank with my meager funds and years of history, nothing changed with my banking activity with the exception of more direct or electronic deposits.
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (MA)

I received a cancel notice for my homeowners from my insurance company. In my mortgage account it says my insurance was paid XX/XX/2023 for {$1100.00}. I have tried numerous times to get them on the phone and by email. I had to pay the first months premium with my credit card to avoid cancellation. I already pay it through my mortgage payment. My insurance company wants a copy of the check. I can not get anyone on the phone. They called me last night. When I started talking about the issues they hung up on me.
Consumer complaint received 2023-07-13
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. (NY)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 u.s.c. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions ... 15 u.s.c. 1681 c. ( 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. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (PA)

I called in XX/XX/2023 to ask the company when my payment due date was the guy told me over the phone that the account was open on the XXXX so I had 30 days to make a payment, Yesterday morning I get an alert from XXXX saying that my score dropped XXXX points and that my credit usage had went up 36 % although I did use the card I was alerted of a payment due date so I assumed it was on the XXXX I called the company the lady told me that when i signed yup they gave me a XXXX I did not see that the XXXX or the XXXX was my due date so my account got reported as 36 % credit usage which I wouldve paid before the XXXX or XXXX had I been informed whenever I called I would like my scores to go back up Immediately
Consumer complaint received 2023-05-10
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

Chime unauthorized XXXX transactions for a XXXX sock manufacture in XXXX XXXX. They did not report this suspicious behavior and let them overdraft my account. I called to try to get a credit and because the transactions were pending they said I would have to wait.
Consumer complaint received 2023-07-13
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-13
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. (CT)

My name is XXXX XXXX and Im a victim of Identity Theft. I have two phone bills on my credit report that's not mines. XXXX XXXX XXXX {$710.00} and XXXX XXXX XXXX {$130.00}. Attached is my FTC report with my ID and social. Please update this as soon as possible.
Consumer complaint received 2023-07-13
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. (CT)

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the company 's customer service representative. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-07-13
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (MA)

On XX/XX/23 I received a notification from, what I thought was XXXX, regarding a transaction on my account for a purchase that wasn't mine. 
I contacted the fictious company, and they hacked my phone and was able to get into my XXXX account and XXXX account. 
I reported this to my bank and they were able to stop the transactions for both. 
XXXX dismissed the balance but XXXX wants me to pay the balance. 
Please help. 

Thank you.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (NY)

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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. (GA)

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.