davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (AZ)

I received a direct deposit at Comerica Bank and the moment they received it, {$7100.00} they closed my account and refuse to allow me to withdrawal {$5700.00} from the account. They say it is not available for whatever reason, but I went to XXXX banking centers in XXXX and XXXX and both dishonored my withdrawal banking item that they admitted was a negotiable item. They continue to deny me access to my funds, eventually the last time this happened they forced me to withdraw like {$3000.00} from my account and take the cash. This time they just seem so upset they aren't doing that. They won't update my address or anything. They just telling me to wait until XX/XX/2023 while they investigate. No longer are they telling me anything, just that they have my money and I can't have it right now. I've called XXXX XXXX in XXXX Michigan XXXX and filed a civil lawsuit served it and overnighter it to Comerica Bank 's legal department at XXXX XXXX XXXX, XXXX Michigan ... nothing, but even more anger and admitting more that what should be available will not be available to me. It was {$7100.00}, and they did admit that {$5700.00} of it was available and to go to banking center for their discretion to give me the funds. I called a different banking center where I opened it and they screamed and yelled at me over the phone, the XXXX XXXX and XXXX XXXX, branch. I've tried everything. Some FBI agent walked by and said, " Tell them they have until XXXX. '' I told them that and XXXX XXXX said, " We don't go by FBI time ... '' I said, " You just ignore everyone don't you. '' And other customer complained she wasn't able to get her money at times and was closing her account because of it, when I went to XXXX branch this morning. I have XXXX dishonored banking items, withdrawal slips, both for {$5700.00} and they would not cash them. I also notified them of an address change and they have not done anything about that either. I need this money, this isn't the first time they've done this to me, they eventually allowed me to withdrawal the funds but not this time.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (OH)

I have some issues on my credit file that need addressed. I have requested documentation from the following collection agency : XXXX XXXX XXXX XXXX XXXXXXXX. Please delete the above account they are not accurate and unverified XXXX FCRA violation. I have a legal right to dispute anything that does not belong to me
Consumer complaint received 2024-04-03
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 wish to dispute the presence of an unauthorized account on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that this account is the result of identity theft. I initiated to contact with the company associated with this account, and they assured me that it would be removed from their records. I am aware that other credit bureaus have already removed this fraudulent account from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive measures to address this issue, the account continues to be reported on my credit report by your bureau. In support of my claim, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) and have provided the bank with documentation demonstrating the fraudulent nature of this account. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent account from my credit report. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (VA)

I've been contacted repeatedly by text and phone since XXXX  by an alleged debt collection agency looking for a XXXX XXXX. I texted and told them I don't know XXXX XXXX and I called and told them not to call me anymore. The last time I answered a call from them, the woman said she was looking for XXXX XXXX. When I said " this is a scam '' she immediately hung up. When I called from another number and asked for their address the man said " I'm not at liberty to give out that information. '' The numbers I've been contact from are ( XXXX ) XXXX, ( XXXX ) XXXX. There may be more, but I didn't save them. I've also received called from ( XXXX ) XXXX allegedly from XXXX, Virginia that said I've been " flagged as invasive and noncompliant. '' The callback number was XXXX.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America has allowed fraudulent accounts to be created on my behalf even after I froze my credit with beureau and XXXX system. 

This is the second time in last one week and I have notified Bank of America And still no action taken.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Dear Experian, My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (GA)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-02-22
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. (FL)

The only collection on my credit report is a medical debt placed with all three credit bureaus in XX/XX/2022, dropping my score by over 60 points. To my knowledge the debt was not verified. Further the debt is less than {$500.00} and should be deleted. I've disputed the collection twice with Equifax in the month with the same result : the debt remains.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I took out a student loan from XXXX for XXXX XXXX in order to finance my XXXX XXXX in XXXX XXXX from the XXXX XXXX XXXX XXXX. XXXX then disbursed the entire amount {$12000.00} to the XXXX XXXX XXXXXXXX, which uses a third-party bank, XXXX XXXXXXXX XXXX to disburse the check to me. XXXX XXXXXXXX issued me a check on XX/XX/2022 made out to my maiden name, XXXX XXXX XXXX. See attachment XXXX. I attempted to deposit this check, along with six other checks made out to my maiden name, to my Bank of America Checking Account through Bank of Americas mobile app on XX/XX/2022. See attachment XXXX and XXXX. As you can see from this statement, I had a balance of {$9400.00}, which included the deposited check for {$6300.00} that I intended to use to pay down my student loan. On XX/XX/2022, Bank of America sent me a letter saying that they are closing my account and will return the funds in the checking account to me, but that the decision to close my account would likely affect my credit. See attachment XXXX. On XX/XX/2022, Bank of America then sent me a letter saying that they had closed my account and would only issue me a check for {$3100.00}. They said that they have frozen the remaining funds ( the check for {$6300.00} ) and they would not be returned to me if the check was determined as stolen or fraudulent. See attachment XXXX. From the attachment XXXX you can see that this closure and report of fraud did go on my credit report. I have been unable to open another bank account since it was reported to XXXX XXXX. Bank of America said I had to get the money back from XXXX  XXXX, and XXXX XXXXXXXX needs to initiate a BANK TO BANK Recall for the money. I have been calling XXXX XXXXXXXX XXXX XXXX department to try to get this issue resolved for more than a year. They have told me that they dont have a procedure to do a bank-to-bank recall. They requested a police report and then a sworn affidavit as to what happened. See attachment XXXX Now, after submitting the documents they requested, XXXX XXXX has closed my complaint and told me that I must get the {$6300.00} from Bank of America. See attachment XXXX. I still have not received my {$6300.00} that would enable me to pay down my student loan, even though I have graduated by now.
Consumer complaint received 2024-04-03
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. (KY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2018-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (TN)

Citibank N.A cancelled and discharged the Home Depot revolving debt on my credit report back in XX/XX/2014 ( proof attached ). The only Citibank representative that would talk to me was XXXX XXXX whom stated she worked for the office of the president and declared that the debt is again valid and that I need to pay it. XXXX XXXX stated that she was the highest level of anyone to talk at Citibank and that my only option was to pay the " valid debt '' even tho I sent proof multiple times that the debt was cancelled and discharged and should have been removed from my credit report and collection attempts.
Consumer complaint received 2020-08-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (CO)

I had applied for a {$300.00} pay day loan in XXXX, XXXX with XXXX XXXX in XXXX, Colorado. I fell behind in my payment schedule and a balance was sent to Ad Astra Collection Agency in XXXX, XXXX. Although, I had made several payments, before the loan was paid off, it went to a collection agency which reported to XXXX and XXXX credit bureaus. In XXXX, XXXX, I mailed the reported amount of {$250.00} to Ad Astra, which is located in XXXX  XXXX, Missouri. I have a copy of the money order stub in my possession. I filed a dispute with XXXX and XXXX in XXXX, XXXX and in XXXX, XXXX but XXXX, notified me as a result of the dispute, that I still owe, {$100.00}, which is incorrect. I went to the website of XXXX, which I purchased the money order through and was advised to obtain a copy of the money order for a fee of {$25.00}. I think that it is unfair to me to have to pay for an additional copy of who received and cashed the money to show proof that Ad Astra is falsely reporting to the credit bureau that I have an unpaid balance.
Consumer complaint received 2023-12-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NY)

About a year after purchasing a XXXX XXXX XXXX from US auto sales in XXXX, XXXX XXXX, they filed for bankruptcy and sold my contract to XXXX XXXX XXXX. I was never notified of this change. I purchased a gap year amendment as well as collision and comprehensive insurance through US auto sales. I have all of the paperwork stating that I did so. In XX/XX/XXXX I was in a one person accident due to a terrible rain storm. I tried to call US auto sales, which is when I realize that my new company would be XXXX XXXX XXXX. My car was pretty much totaled in the accident and had to be towed from the site. XXXX XXXX XXXX refused to honor my gap amendment or even the comprehensive and collision insurance that I had through US auto sales. I even emailed them the paperwork that proves that I had that coverage through US auto sales. They informed me that US auto sales only sent over billing information and nothing else and theres nothing that they can do about it. Now I have a {$22000.00} debt on my credit report and no way of getting it off.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XXXX XXXX, XXXX XXXX  sent me an alert stating that a hard credit inquiry on my had been done that day at Bank of America XXXX XXXX XXXX Texas XXXX This was not me. On Monday, XXXX XXXX, I contacted Bank of America. They told me they had run a hard credit inquiry on my name and my Social Security number the day before. I told them this was fraud ; that I had not applied for any credit cards with their bank or any other bank. I do not bank with Bank of America. They told me. they would cancel the application and mark it as fraudulent. 

However, on XXXX XXXX, XXXX, I received an email from Bank of America telling me my credit card was on the way and to activate it when I received it. The email stated they had sent the credit card to a town in Florida. I contacted Bank of America who deaden any knowledge of this email On XXXX XXXX, this credit card from Bank of America appeared on all three of the credit reporting agencies under my name and social security number. The credit reports all showed this account as being opened on the XXXX or XXXX of XXXX and showed it to be open with XXXX balance. 

Someone has stolen my social security number and is actively trying to use it to apply for credit. I have frozen my credit with all three of the credit reporting agencies and have informed them of this fraud.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting act, the below accounts has violated my rights. : XXXX, ACCT # XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX, XXXX, ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX XXXX, ACCT # XXXX XXXX, ACCT # XXXXXXXX XXXX XXXX XXXX XXXX, ACCT # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-21
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. (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc. (TX)

ON XXXX CREDIT CONTROL SERVICES INC. DBA CREDIT COLLECTION SERVICES INC. CALLED ME TO MY PHONE NUMBER XXXX AND FAILED TO GIVE ME THEIR LEGAL NAME. IT IS UNDISPUTED A DEBT COLLECTOR MUST GIVE OUT THEIR LEGAL NAME WHEN REQUESTED FROM THE CONSUMER RECEIVING SUCH COLLECTION CALLS. THEY WERE DECEPTIVE AND MISLEADING WHEN THEY FAILED TO GIVE ME THEIR ENTITY 'S LEGAL NAME WHEN THEY ATTEMPTED TO COLLECT A DEBT IN THE PHONE CALL THEY PLACED TO ME. I DISPUTE THIS DEBT AND DEMAND THEY INVESTIGATE MY DISPUTE AND SEND ME RESULTS OF THE DISPUTE WITHIN 30 DAYS ARE REQUIRED BY TFC 392.302 ( E ).
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-02
Product: Credit reporting 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. (NJ)

DEAR XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/year>, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Consumer complaint received 2023-08-21
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. (IL)

Please remove all these hard inquiries as I did not authorized them : XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
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. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.