davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLIANT CREDIT UNION (CA)

XXXX : Open a new Debit card account. 
XXXX : New Debit card on the way to me. 

I never received this new card. 

XXXX : This Debit card was activated by someone other than me. Alliant states that they have a recording of my voice calling in to activate this card and providing my SSN #. 

I did not do this. 

XXXX : A deposit of {$6400.00} was made to this account using a stolen XXXX check originally issued to someone I do not know. This person likely stole this check from someone else 's mailbox the same way they stole the debit card from my mail box and cashed it to my Alliant account under my name. 

XXXX : This amount was returned due to XXXX being notified of this being a Fraud. 
The person continued using this card making purchases, causing the card to be over-drafted because the check amount had been returned. 

XXXX : I was not able to access my online account. This is when I first contacted Alliant, to which they told me the account is under investigation. 

XXXX : I called asking for updates. Nothing. 
XXXX : I called again asking for updates. Nothing. 

Throughout each of these calls, Alliant would not disclose of the amount that was deposited nor would they tell me what charges had been made on this account. 

XXXX : A XXXX agent, XXXX XXXX XXXX contacted me regarding an insurance check that was cashed under my name. I have not been in any accident nor do I have insurance with XXXX. I met with this agent and gave my formal statement regarding this incident. 

I called Alliant again following the meeting and they informed me that the account has been closed down. No further actions required. I do not know the name of the person I spoke to this day. 

I have heard nothing from Alliant or XXXX regarding this issue. To my knowledge, this has all been taken care of. 

XXXX. XXXX : I went into check my credit scores and saw that there is an account tied to Alliant, saying that I owe {$1200.00} to Alliant. This is the over-drafted amount after the altered check was returned to XXXX. This is when I called Alliant again and left a voicemail for a XXXX XXXX. 

XX/XX/XXXX : XXXX sent me over to the Fraud department at Alliant to which they informed me that this amount is owed by me and that the investigation had been closed on their end. Alliant never informed me of this amount nor did they say I would be responsible for it. Again, stating that they have voice recording of this. 

XXXX. XXXX : I called XXXX back and she agreed to send over all bank statements including the one from XXXX which shows activities on the account in the month that this fraud charges happened. She also informed me that they do not store Check images when I asked for the information on that check cashed under my name but she provided the ATM location and date that the fraud check was deposited to. 

I am now in the process of filing a police report in order to use this to remove the account and collection charges from my credit report.
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I was contacted by an individual named XXXX XXXX I was also given a second name XXXX XXXX. 
I was looking for a room to rent in the XXXX Nevada area. They said they had a spare room to rent and after obtaining ID verification from them and information on the house and a few other things. Everything was done and payment was the only step necessary to move in. I sent an initial XXXX $ security deposit, then a second XXXX $ for half of rent. I was supposed to meet up with her the second day at the home to get key and move my stuff in. On XX/XX/XXXX she says we cant meet until other half of payment due to maintenance issues and security issues. And me already having paid the first half I believed it was safe since I had ID VERIFICATION and many other information so I forwarded another XXXX $ to the individual. After that I went to location and the home owner was clueless as to who this idnciuql was and had no clue of anything. And I would not get texts back from the individual till today. I filed a report with XXXX for the XXXX $ deposit on XX/XX/XXXX as well as with Bank of America for the XXXX $ transferred through their app payment program XXXX After a month wait, both companies denied a refund due to it being a wire transfer. 
This is all the information I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX $ security deposit XX/XX/XXXX XXXX $ half rent before move in XX/XX/XXXX XXXX $ other half rent after key sent XX/XX/XXXX Asking for XXXX more XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX as well as a ID photo and photos of the supposed individual. 
I contacted both banks after my complaints seeing if anything else was possible and they wouldnt help. I would love to forward all other photos and info I have.
Consumer complaint received 2023-10-12
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I am writing to dispute a fraudulent transaction on my XXXX Prepaid account ending in XXXX in the amount of {$7100.00} I am a victim of Identify theft and I did not make these transactions. I was out of country from XX/XX/2023 until XX/XX/2023. When I returned home on XX/XX/XXXX, that is when I discovered I was robbed while I was away. I had my XXXX Prepaid debit card in my drawer, and I also had a book in which I had written down my pin. I have made a police report regarding this incident. I submitted my claim with Bank of America and they denied my claim. I have submitted all documents to help with my claim. I do not believe they did a proper investigation regarding this matter because i did not make those transactions and i certainly don't agree with their decision. 
Their decision to deny my claim has brought many financial issues which i am dealing with such as not being able to pay my bills since this the only source of my income.I am asking Bank of America to investigate this matter and correct the fraudulent charges made on my account to be credited back to my account asap. Thank you very much.
Consumer complaint received 2023-07-28
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a credit card online, i was not sent a letter telling me i was denied. I called the company bank of america. The auto service told me i was denied. XX/XX/2023 I got a letter. This is clearly discrimination and breaking of the laws 15 usc 1611, 15 usc 1640 and 1691e. I would just like to let you know this company has denied a consumer the right to extend my credit, which is clearly something they cant do under the ECOA.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

More inquires that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I deposited a cashier 's check for {$1000.00} on Monday XX/XX/19. Bank of America has placed a hold on this cashier 's check until XX/XX/19. I do not have a history of depositing fraudulent checks and my account is not new. I have called customer service repeatedly and have not been told why they are holding my funds.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I used the website XXXX to purchase both a plane ticket and a hotel room to go to the XXXX XXXX. I made the original purchase for the plane ticket on XX/XX/2023. I paid {$130.00} up front and agreed to monthly payments of {$170.00} to be paid until the total amount of {$1100.00} was paid in full. I was making the payments on time since the purchase out of my Bank of America checking account. On XX/XX/2023 I received several notifications from my Bank of America app that that six large transactions were made. There was four separate transactions for the amount of {$460.00}, a transaction of {$1000.00}, and a transaction for {$820.00}. I did not make or approve any of these transactions. Upon checking my XXXX account these transactions were not present and only listed my current monthly payments I previously agreed to. I spoke to a member of the Bank of America fraud claim team and gave him all of this information. Although a portion of the money was able to be refunded due to the team member canceling them in a timely manor, {$2300.00} remained unaccounted for. The team member opened a new claim for me on XX/XX/2023. On XX/XX/2023 I received a notification from Bank of America informing me that my claim has been considered resolved and they were unable to refund the remaining {$2300.00} as they believe I approved the transaction. I did not approve any transactions outside the month of XXXX. XXXX is also now demanding I continue to make my monthly payments of {$170.00} even though they currently have the {$2300.00} I did not approve them to take.
Consumer complaint received 2023-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America XXXX, Mn This account is all fraud and they want me to pay for this.. I tried several times to make arrangements, and they refused, I tried to make a payment with cash, check, debit card and they refused... they wanted all the money or none..I told them that i had gotten scammed and was unable to pay the balance and finally my new mortgage company had to get involved and forced them to take the payment. of {$120.00}. from me and told them the rest was fraud and scam charges and still kept wanting more money .... 

They are very difficult and hard to deal with. I have been in contact with the police and finally got a report. Case # XXXX Its a scam and Fraud case of {$35000.00}, in credit cards and stealing of bank account information. 

These scammers said with would help me pay of the bank of America account, just give them he account number and they would pay it off ... .Yes they did and in 2 days they reversed the payment. which created more charges. The balance is at over XXXX 

this continued with 3 other credit cards, and with in 3 days they had maxed them out. 
And they all want their money and I'm on a fixed income. And over XXXX in age and XXXX. they have stole everything .... 

The next card is XXXX XXXX XXXX card, they are getting a police report also and the scammer kept on .... 
These scammers steal the credit card information right off your phone off the receipts..The next big deal is they use gift cards, XXXX and XXXX XXXX, XXXX and up. they promise you the world, and all I've gotten is a bad credit score, from XXXX to XXXX ... and try and get a mortgage on that. Trust me you cant. 

The credit credit companies will get the police reports and names of the scammers which i all have. This started in XX/XX/2023 and XX/XX/2023 ... ... Thank You
Consumer complaint received 2023-10-18
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. (SC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. ()

Respected sir/madam I am XXXX XXXX XXXX XXXX XXXX XX/XX/1997 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I had taken one loan from XXXX XXXX bank XXXX XXXX XXXX, which is continue and I am paying all XXXX  on time. 
But my credit report on THE EQUIFAX is very low due to some loans of XXXX rupees and etcetera which i had not taken from any bank. 
And due to this unknown loans my credit report is very bad. 

Kindly rectify my credit score for my brighter future Yours sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (DC)

Formerly, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2024-03-11
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-11
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I applied on XX/XX/ for the XXXX XXXX Capital One. And apparently the new Cardmember Offer was {$200.00} once you spend {$500.00} within the first 3 months but I didnt received that. I havent received any email about this offer. My friend referred me and I applied for the card and was accepted but did not receive the welcome bonus.
Consumer complaint received 2023-10-18
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: Experian Information Solutions Inc. (MO)

In accordance with the fair credit reporting act, XXXX  account number XXXX, has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A 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 under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC (VA)

OnXX/XX/2023 myself and my realtor was reviewing my credit report and observed inquires on the report that I didn't not authorize. There was also a collection on the report the report as well. I know I am old to be buying a house but it is something I would like to pas on to my daughters and their children.
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

After reviewing my credit reports I noticed an alleged debt on my reports. I have contacted this company along with the credit bureaus to get the issue resolved and both parties have failed to cooperate with me. I have asked the companies to provide me with proof that this alleged debt belongs to me and they have failed to do so and just keep updating the account on my reports. I have made 3 attempts on resolving this issue with the company and bureaus on XX/XX/2022, XX/XX/2022, XX/XX/2022
Consumer complaint received 2024-03-11
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-06-30
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. (PA)

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. Under the permissible purpose section of the Fair Credit Reporting Act, I have NEVER given this agency written consent to report this information. 

I demand these accounts be deleted from my credit report.