davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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: LEXISNEXIS (AZ)

Account name : XXXX XXXXXXXX XXXX US BKPT CT AZ XXXX XXXX XXXX The United States Bankruptcy Court for the District of Arizona does not release or act as a third party data furnisher for the Credit Reporting Agencies . Pursuant to Rule 9037 ( a ) of the Federal Rules of Bankruptcy Court Procedure " Privacy Protection For Filings Made with the Court '' ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number. In accordance with 11 USC 107 ( c ) ( 1 ). Public access to papers ( c ) ( 1 ) The bankruptcy court, for cause, may protect an individual, with respect to the following types of information to the extent the court finds that disclosure of such information would create undue risk of identity theft or other unlawful injury to the individual or the individual 's property : ( A ) Any means of identification ( as defined in section 1028 ( d ) of title 18 ) contained in a paper filed, or to be filed, in a case under this title. ( B ) Other information contained in a paper described in subparagraph ( A ). Based on the foregoing, XXXX through third parties have collected private information that was not intended for disclosure, illegally obtained and profited said information without my consent or consent of the bankruptcy court. Such illegal obtaining and subsequent disclosure amounts to harm to me and has opened up identity theft concerns. 

LexisNexis obtained redacted information illegally and subsequently sold the illegally obtained information to Credit Reporting Agencies.
Consumer complaint received 2024-11-01
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. (CA)

XXXX XXXX  is on my credit report with inaccurate information which that does not belong to me as well as XXXX XXXX XXXX, and comenity bank I do not owe any debt to them, or any other creditor. Im a victim of identity theft and this account is just many of its kind that has resulted to reporting to my credit report inaccurately and fraudulently to cause damage and hardship As of today XX/XX/year> it needs to be removed
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (SC)

On XX/XX/XXXX at approximately XXXX XXXX I received a text alert from my Best Buy Citibank Fraud Dept asking if I attempted to make a purchase at XXXX ( XXXX, Ohio ) in the amount of {$2000.00}. I immediately responded to the text and they called me right away. A report has been filed with them and I'm also in the process of obtaining a police report where I live ( South Carolina ). Unfortunately, they did approve another charge of {$960.00}. This is the THIRD fraud issue I have encountered involving the state of Ohio I have never worked or lived in Ohio and feel like someone or some entity in that state must have my information and are repeatedly using it ... How can I have been hacked 3 times ALL in Ohio, a state I've never been in other than for a layover??!! I plan on submitting a separate complaint for the other card account since it is a different type of card. ( Store Card ) The other issue was XXXX fraud - AGAIN, in Ohio, but years ago. ( XXXX ) This is all just bringing back bad memories from that experience.
Consumer complaint received 2023-02-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (OH)

This is my second complaint. I received another bill today for the amount of {$21.00} which included late fee of XXXX and an interest charge for XXXX. The statement also indicates that previous finance charges and late fees were refunded, totaling XXXX. 
The account is closed and nothing further was charged after the {$5.00} on XX/XX/XXXX, however, Comenity failed to process my XXXX bill pay and a second {$5.00} bill payment until XXXX Their failure to process the first payment timely resulted in my overpayment and being continually harassed and charged late fees and interest charges for an amount that was paid timely and that they acknowledged receipt. 

Please end this continue harassment of bills and impact to my credit.
Consumer complaint received 2022-08-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Consumer complaint received 2022-08-24
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. (FL)

EQUIFAX MANIPULATED MY CREDIT SCORE, CAUSING MY CREDIT SCORE TO DROP XXXX POINTS. THUS THIS HAS CAUSE ME HARM BECAUSE OF THEIR ERRONEOUS AND IRRESPONSIBLE CREDIT REPORTING. EQUIFAX CHANGED THE STATUS OF TWO ACCOUNTS THAT ARE CURRENTLY INVOLVED IN A XXXX BANKRUPTCY TO SHOW CHARGE OFF STATUS AND MULTIPLE LATE PAYMENTS, THUS VIOLATING AN AUTOMATIC STAY. EQUIFAX IS IN VIOLATION OF THE FCRA 15 USC 1681 AND 623 ( a ) ( 1 ) ( A ). THE FOLLOWING TWO ACCOUNTS ARE REPORTING INACCURATE AND VIOLATE FEDERAL LAW UNDER THE FCRA : ACCOUNT NAME : XXXX XXXX  XXXXACCOUNT NUMBERXXXX XXXXACCOUNT NUMBERXXXX. I WILL SEEK MONETARY DAMAGE OF {$1000.00} PER VIOLATION AND HAVE FILED A NOTICE OF INTENT WITH THE FTC.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NJ)

The bank Wells Fargo completed XXXX of my claims XXXX and XXXX and did not return my funds to my account. The amounts totaled for several thousands of dollars that the bank refused to give back to me. They are also not giving me any information on why they are not returning it or providing any reasoning or evidence to their findings.
Consumer complaint received 2022-08-24
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. (KY)

XXXX XXXX  " reviewed '' my credit report ( not by my request ) as a way to increase or decrease my available credit on my XXXX XXXX XXXX. This is the third time in less than two years that they have decreased my available credit. Each time they have relied on credit information that is not correct and have not been willing to correct the issue. I have attached the letter from XXXX showing their reasons for this third decrease, and also attached pages from my credit report ( using the same reporting agency that they used ) showing that their information is FALSE!!!! XXXX continues to discriminate against me by continuing to lower my payments to the amount of credit that is outstanding on my account. This makes it look like I have used my card to the limit ( which is what they say I am doing on other cards and the reason they decreased my limit on my XXXX card ) I am using 22 % of my available credit ( which is over {$15000.00} ). The reasons that XXXX provided on a letter lowering my credit report are not FACTUAL, and XXXX should remedy this IMMEDIATELY. It is because of XXXX XXXX  ( that finances XXXX ) that my credit is being denied as they continually lower the limit on my cards making it look as though I am charging to the limit. They are hurting my credit score.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (CA)

I had gone to XXXX  XXXX XXXX to take out my check well part of it XXXX dollars the machine dispensed XXXX at XXXX  XXXX XXXX the atm machine was mistakably stocked wrong XXXX dl bills were in the XXXX slot and the XXXX dl bills were on the XXXX slot so i called XXXX  XXXX XXXX and let them know what was going on with there atm then i called XXXX XXXX  to open a claim so i can get my money back XXXX XXXX i opened the claim I opened my claim on XX/XX/XXXX i got my response yesterday saying that fraud was never done and there will be no credit because their team of investigator found that there was no wrongful doing at XXXXXXXX XXXX XXXXXXXX i have called both backs since XX/XX/XXXX everyday i was not the only one this happened too so how would they not find nothing if both back and pay services were called the claim at XXXX  has been closed i have 3 girls and late on my rent because of this i have no money and now this that my money can not be returned had XXXX XXXX called XXXX  XXXX XXXX like stated they would had learned their atm machine was at fault both businesses have been giving me the run around and like mentioned before how do i pay my bills if no one wants to help me i don't want them to give me xtra money i just need my money and an apology for their lack of investigation
Consumer complaint received 2022-08-24
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: Capio Partners, LLC (GA)

On XX/XX/2022 a report was made in the amount {$1400.00}. Due to consumer reporting law 15 US 1681 ( a ) ( 3 ) this action has been deemed unlawful.
Consumer complaint received 2024-11-01
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. (AZ)

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of identity theft stemming from a recent data breach, and these items were added to my report fraudulently. Under the Fair Credit Reporting Act ( 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) ), I am entitled to have these unauthorized items blocked and permanently deleted from my credit report.

Fraudulent Accounts : XXXX. XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$310.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} Fraudulent Inquiries : XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX
Consumer complaint received 2022-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I Initiated the process to remove PMI in XXXX of XXXX. After an attempt to refinance that resulted in excess fees and not much difference in the payment, I requested to have PMI removed. I sent the signed form and check for appraisal in XX/XX/XXXX. The check was cashed in XXXX. I received an email in XXXX that because the loan was less than 2 years old, improvements needed to be documented. ALL improvements were on the form that was submitted in XX/XX/XXXX. The loan reached 2 years in XXXX- I continued to call and be told it was being worked on. As of XX/XX/XXXX I still had NOT had an appraisal completed, even though the check had been cashed. Finally on XX/XX/XXXX the BPO was completed. To recap just a bit- I purchased this as a second home with 10 % down. I did A LOT to this home and moved permanently in XX/XX/XXXX. The mortgage is about XXXX and I could sell it today for XXXX. I have MORE THAN ENOUGH equity to remove the PMI. This company continues to steal {$140.00} every month. I have tried, and tried, and tried. I need someone to hold them accountable and do their job!!!!
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (SC)

Suntrust Mortgage has put force placed flood insurance on my condo. My flood insurance had never lapsed. My flood insurance company faxed a copy of the policy to Suntrust yet the mortgage company continues to say they did not receive it. My insurance company has emailed me confirmation that Suntrust received the fax on XX/XX/19 ( 103 pages ). I called again to Suntrust today to confirm that they received it ( allowing the 5 days per their instructions ) and told them that I have confirmation ( attached ). They hung up on me.
Consumer complaint received 2022-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

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 an open end consumer credit plan as late for any purpose,
Consumer complaint received 2024-11-01
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX DATE : XX/XX/XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau, I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA.

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account. 

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Greetings Everyone. TransUnion utter failure to acknowledge Federal Trade Commission Identity Theft Report, stating two fraudulent loans from XXXX XXXX, I never applied or authorized. These accounts from XXXX XXXX should be deleted effectively. TransUnion has victimized me by not following the laws for fraud victims. Please someone help me. This fraudulent financial burden is effecting my kids and wife. Thank you.
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

On XX/XX/23 I sent a debt validation requests to the bureaus for a debt that was reporting on my credit report by a company called Convergent Outsourcing. Convergent sent me what they call " debt validation '' and claimed the debt was valid. On XX/XX/23 I sent a debt validation request directly to Convergent Outsourcing because all they supplied me with in their debt validation were random pages of a XXXX phone bill. No matter how many times I tried the numbers did not add up to the debt they are claiming I owe which is {$450.00}. The closest number I got while doing the math was {$390.00}. I wrote them back requesting a breakdown of fees and to explain how they got the amount they claim I owe, as well as any official contract bearing my signature that would prove the debt as valid or belonging to me. All they did was send me the SAME exact documents they originally sent me, which in NOW WAY shows how they calculated the debt they claim I owe, and no official documents that would EVER prove the debt in any way belongs to me. They are in violation of XXXX XXXX XXXX XXXX -False or misleading representations and probably more violations as well.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX, XXXX, and TransUnion.in 2022 took XXXX points off my XXXX XXXX for a late Mortgage payment that happened when my mortgage company sold my mortgage to a new company. I disputed that to no avail and accepted the penalty. BUT NOW, EACH yr since the credit bureaus have taken another XXXX points from my credit score in tandem equaling XXXX points, for the SAME LATE PAYMENT. That '' 's WRONG.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

Ive recently had a multitude of issues with Atlantic Union Bank regarding lagging deposits and predatory overdraft fees. Last Wednesday, XX/XX/XXXX, at around XXXX XXXX EST, I initiated a money request from another account ( my husbands ) via XXXX provided through the Atlantic Union Banking app. His request was promptly transferred and the money immediately left his other account. At this time, my Atlantic Union Bank account had a positive balance. Atlantic Union Bank showed the transfer pending in my account for two days, meanwhile they approved several small charges. On Friday, XX/XX/XXXX, the money was finally deposited at noon. Then arounXXXX XXXX XXXX that same day, they tacked on an egregious {$38.00} overdraft fee, that subsequently sent my account into a negative balance, despite just making a deposit to keep it afloat. I reached out to banking customer service twice on Thursday, XX/XX/XXXX, to see why the payment had not yet posted, and no reason was provided or known. Then again I contacted customer service on Friday to reverse the overdraft charge that was posted two days after the deposit was made. No reversal has been provided to date. Ive retained screen shots of these transactions and their dates. I believe this bank purposely delays deposits made so that accounts incur overdraft fees in the meantime. This bank collected {$17.00} XXXX dollars in overdraft fees in XXXXXXXX  and its unethical practices just like this that are raking in all that revenue. I am going to seek legal counsel and explore the possibility of a class action lawsuit. I will also be reaching out to XXXX so they are aware of transfer delays specific to Atlantic Union Bank.
Consumer complaint received 2022-08-24
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 (CA)

I went to Bank of America close by to my house I have an account with them i went to withdraw from my husbands pay card XXXX XXXX so like mentioned before i withdrew from the atm at bank of america from the pay card {$1000.00} the atm spit {$190.00} XXXX bills of {$20.00} and XXXX bills of XXXX so the machine to find out was stocked up wrong i addressed it with bank of america i stayed at the atm for a while to call them this bank location has been closed for a year or more so i could not go in there i was instructed over the phone by bank of america to call XXXX ive called both bank to be honest i know i was not the only one because there was a group of people waiting outside a lady even went to the bank of america that was close to the one we were in because she got more money of what she asked machine was wrongfully set up wrong with the bills when i called bank of america and they told me we can not open the claim for you because i need to call XXXX mind i tell you the atm was still working giving people the wrong amount one lady too XXXX she got back XXXX ( XXXX XXXX bill and XXXX XXXX ) another got XXXX and received XXXX more i just want everything to be cleared i will be submitting a complaint for XXXX as well