davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

Original Complaint : I made an external transfer to US Bank from XXXX of {$3000.00} on XX/XX/XXXX to a business checking account. It was supposed to arrive on XX/XX/XXXX. US Bank closed my account on XX/XX/XXXX because I made an opening deposit that was rejected due to insufficient funds ( I put in the wrong account information ). This is why I tried to make the secondary {$3000.00} transfer to cover the opening deposit. I have contacted US Bank three times regarding this matter and they said it should have been returned since the account was closed. It's been XXXX weeks, no money. On their banking website, the status shows returned. I contacted XXXX twice and they said there is nothing they can do since they haven't gotten the return from US Bank and to contact them. I am tired of being given the runaround and just want my money back. -- - This is my second complaint to CFPB. My money is still missing! I got a letter from US Bank that they could not locate a record of the transaction and closed my case. I contacted XXXX again and they told me to contact US Bank again. From XXXX : On our end, the transaction was delivered successfully to them. It's just that in this case the money went out of XXXX and it's on their end the issue. XXXX Number : XXXX Transaction Trace Number : XXXX Transaction # : XXXX US BANK TRANSFER TRANSFER Transaction ID : XXXX -- - I attached the response from XXXX XXXX With additional trace number : # XXXX
Consumer complaint received 2023-06-27
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. (PA)

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 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 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

Citi Bank issued me a XXXX for the chaged off balance and still reporting full balance of {$8200.00}. 
On XX/XX/2019 Disputed to 3 credit Breau 's and came back verified as correct information.
Consumer complaint received 2023-06-27
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. (NJ)

I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was COLLECTION account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I has a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX ( Original Creditor:XXXX XXXX ) XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX  . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2023-06-27
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. (TX)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

This debt with XXXX XXXX XXXX. Has been charged off for years and Ive disputed this debt several times in the past 5 years and it always comes back as verified. How is it verified as valid debt when its been charged off for nearly 5 years? XXXX XXXX XXXX has sent a letter stating that they are no longer attempting to collect on this debt. Why is it still being reported on my credit profile and being verified by the credit bureaus as valid debt of the creditor is no longer attempting to collect on it and Ive asked the creditor to provide a 1099c as this is now considered personal income to me with their charge off? This is being reported inaccurately and must be removed immediately as it is negatively impacting my ability to obtain credit.
Consumer complaint received 2023-06-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CO)

My name is XXXX XXXX and when I was younger I was in an orphanage in XXXX Idaho and I had an account with US Bank in XXXX in my account my dad who is better he left me on death benefits when he passed away I had his death benefits in my savings in my savings account in US Bank no even though my bank was in XXXX I was under XXXX so I was in an orphanage in XXXX in Idaho so I didn't live in XXXX I was supposed to be able to get some money when I was XXXX that was I couldn't touch it until I was XXXX then I could withdraw it to be an adult so what happened was when I was in this orphanage US Bank in XXXX that some lady that didn't live with it wasn't really familiar with you know I didn't live with this lady had nothing to do with this lady they let her put her name on my checking account with US Bank and she completely cleaned out over {$15000.00} but Dad I didn't live with her I didn't stay with her I had no responsibility to her I was locked up at an orphanage and XXXX Idaho so I don't know how she got US Bank to let them put her name on my account cuz when they they let her do that all she did was she took XXXX and closed the account she stole all my dad 's death benefits and close the account I didn't live with her and no responsibility to her whatsoever I tried talking to you as bank and they told me that I'm not allowed to sue a bank I can't make a complaint against him I can't do nothing to a bank at all they're untouchable which is curry alike because now I see your website where I can make this complaint I'm sure the statue of limitations on this is right now but I would appreciate it if you look into it because put her name on my account and I don't know how I don't know how why they did that because this lady was not my mom she's not related to me she's not any part of my family she's no relation whatsoever so hopefully you do something about this but I'm sure you can but I just wanted to make this completely and because they let her put her name on the account I lost my dad said benefits so any information to give me would be appreciated Also the number I have listed on here my phone number is not XXXX my phone number is XXXX that's the correct cell number to contact me at XXXX
Consumer complaint received 2023-06-27
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. (SC)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX , SC XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$0.00} 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 2023-06-25
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. (FL)

in accordance with the fair credit reporting act XXXX  account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also inquiry on my credit summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (OR)

I have a credit card with US Bank that had an {$8500.00} credit limit. Minus one payment that was made 30 days past due, the rest were all made before that time frame. My fianc lost her job in XXXX of last year and it was difficult to keep up with the over $ 300 monthly payments. I was still making them however, with a few being between 5-15 days past the due date. Had spoken to someone at the bank branch several months ago and was told as long as the payments were made by a certain time there would be no issue. Two weeks ago I paid off almost the entire balance, {$8000.00} out of {$8700.00}. Today when I checked my account I saw they had decreased the credit limit from {$8500.00} to {$1800.00}. Without warning, and with no explanation over the phone. I contacted them a second time and they stated it was because of those payments that were 5-15 days past the due date that they decreased the limit by that much. What they also did however was ruin my credit because by decreasing the credit limit by that much it now looks like the credit card is almost maxed out which will hurt my credit score instead of improving it like it would have been with having paid the majority of the balance off. My fianc called US Bank today, XX/XX/23, and despite telling them I had spoken to the branch several months ago, and that we had just paid a very large sum of money onto it at the beginning of XXXX, they refused to increase the limit at all. They told my fianc we would have to make on time payments for at least 6 months before theyll approve any increase. We had very specific plans of using some of the available credit to fund our wedding next week and we will no longer be able to do that. We had family members flying out for that. US Bank needs to make this right. I would understand decreasing the credit limit even by half, but a {$6700.00} decrease is a huge amount for payments that werent even 30 days late and had already been previously discussed with the branch.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have been disputing these accounts for months now. They don't respond to my requests and I'm beyond over it.
Consumer complaint received 2023-06-26
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. (FL)

I recently disputed the accounts/ information listed below to XXXX and Transunion reporting agencies notifying that the information was inaccurate and violating my rights according to the Fair Credit Reporting Act. I have not been provided proof of debt for example a copy of a contract stating I have an obligation to these companies that are reporting my information without my consent. On XX/XX/2023 Transunion has responded stating the information was verified and XX/XX/2023 XXXX responded stating the information was verified. Verification was never in question, the validity of these debts/obligation/ alleged applications are in questionable. I have notified both companies that XXXX XXXX XXXX does not have any proof that I owe this alleged debt so I am demanding a description of XXXX 's and Transunion 's investigation procedures as well as the documentation used during the investigation according to FCRA 611 ( a ) ( 7 ). I have requested documentation from XXXX XXXX XXXX and was given a computer generated document. 15 U.S. 1681a ( 2 ) ( A ) ( ii ) states communication of that information among persons related by common ownership or affiliated by corporate control is excluded from my credit report. 
Also, XXXX XXXX, XXXX, and XXXX XXXX are reporting alleged hard inquiries and I have disputed these with Transunion and they are still reporting on my consumer report. I am requesting the documentation used to validate this information as well. Please be advise this is my final attempt to resolve this issue before entering a arbitration case against Transunion and XXXX to resolve this urgent matter. I have included a copy of XXXX XXXX XXXX response as well as Transunion 's response.
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brennan & Clark, Ltd., LLC (FL)

This company has repeatedly contacted me for a debt that is the incorrect amount. I have repeatedly requested information from them and informed them that I have information proving the debt is not that amount they have used unprofessional, illegal tactics and emails one email in the very same day stated that I would have five days to pay. Once I stated that I was going to file a complaint for them not following the proper procedures. They sent me an email letting me know that I needed to pay immediately now, which is an intimidation, threats and very much illegal Never once did they request my information or my side for my records based on the reviews on their website and XXXX these are the same tactics that they use they try to identify themselves as a legal team in phone calls previously that Ive had with them
Consumer complaint received 2023-06-24
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. (GA)

XXXX XXXX XXXX, and XXXX XXXX has appeared on my credit report as a negative collection. 

I have no knowledge of this collection accounts. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 U.S. Code 1681b- Permissible purposes of consumer report. ( A ) ( 2 )
Consumer complaint received 2023-08-08
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. (NJ)

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. Account name : Account Name XXXX XXXX XXXX # XXXX {$410.00} Account name : XXXX XXXX {$520.00} 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 2019-03-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

I purchased a vehicle and was financed by XXXX XXXX XXXX. About 3 months into the loan I was in an accident which resulted in the vehicle being totaled. 
When I got the loan I paid extra for certain services if something happened later on, one being I I lost my job, they would cover up to 6 months of payments. 
After the accident my insurance paid out enough to cover it all except for {$700.00}, but right after the accident I lost my job and was unable to continue to make the payments. They never called, or sent any letters for a year, then suddenly one day I get a bill for over {$2000.00}, from the remaining {$700.00} plus interest. When I tried talk to someone about it I was given the run around. I was sent to one department to the next, never getting any answers. I now have almost XXXX on my credit report for a vehicle I paid for. I had no issue paying the {$700.00}, had I known they didn't. But they didn't once call, email, or send a letter stating i owed a balance for over 12 months. In return my credit has dropped XXXX points, and I am in a position where I have no options except for bankruptcy.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIRST NATIONAL BANK OF OMAHA (NJ)

I hold a co-branded credit card issued by First National Bank of Omaha through XXXX 's guest rewards program. At XXXX EST on XX/XX/2023, I received an e-mail from First National Bank of Omaha from the e-mail address " XXXX ''. This e-mail for a statement contained personally identifiable information about another FNBO cardholder, a XXXX XXXX XXXX. It also included details about XXXX XXXX account, and financial details including the current outstanding account balance, minimum payment amount, and required payment date. At approximately XXXX on XX/XX/2023, I called FNBO at the number on the back of my Credit Card and notified them of the security incident and was assured that my information was being passed to the banks security team and would investigated. While I waited on hold with FNBO, their Phone System played a per-recorded message that my privacy was their top priority. I guess the irony is lost on FNBO. At approximately XXXX on XX/XX/2023, I received another e-mail, again from " XXXX ''. This statement contained similar information for another FNBO cardholder, this time for a XXXX XXXX XXXX. Both statements also appeared to be for other cardholders which held XXXX guest rewards co-branded credit cards. I called FNBO once again, to report this second security incident. I requested to speak to a supervisor, and the supervisor again took down the details of the incident and stated that this information would be passed to the security team. The representative was unable to provide me with any internal case number or reference to check on the status of my request, nor would they provide me with any timeline for when someone from the bank would be able to follow up with me or provide me an answer regarding these two security incidents. You can find attached copies of these messages, including header information. These communications have since been deleted from my inbox and local copies removed in the interest of these individuals privacy.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

XXXX EQUIFAX XXXX, STILL BLOCK ME FROM REVIEWING MY CREDIT REPORT FROM FREE ANNUAL CREDIT REPORT. It never fails if I look at one report like XXXX I will not be allowed to access my credit report that the three credit agencies block me from such as XXXX AND EQUIFAX. I am having to pay for services to see whats falsely being reported. To know and find the organization to realize had I intentionally meant to be late I would not fight this as hard as I am. I am getting ready to turn the XXXX XXXXXXXX and fico over to my attorney XXXX man should not fight this hard.