davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (IL)

My Schwab account was suspended between XXXX XXXX XX/XX/XXXX. Schwab has sent me an email requesting to confirm my address on XX/XX/XXXX. I have replied to this email with my bills attached on XX/XX/XXXX. Schwab has replied to my email stating that they can not receive email from an unsecured channel therefore I forwarded my information to customer representative 's email that I was on-call with. 

I called Schwab multiple times to resolve this issue since then but every customer representative has said that the fraud department is processing an investigation and that they can only rely on their email reply. 

Ever since then, all I am being told is to wait and wait. It has been 2 months now and I still do not have access to my funds in my checking account and my brokerage account. I have stocks investment in the brokerage account as well.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

EQUIFAX did not do an proper investigation into what I reguested and stated they done a reinvention to these accounts I mail a certified letter to them on XXXX XXXX  and also they didnt notify within 5 day.tracking # XXXX.
Consumer complaint received 2022-09-21
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. (GA)

In accordance with the fair credit reporting XXXX XXXX account # XXXX act has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 604 A. section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (FL)

I have disputed a charge off account with a credit union with Experian on 3 separate occasions with the backing of the credit union and the account still hasnt been removed. The account is being reported as a charge off that happened in XX/XX/XXXX with a payment made in XX/XX/XXXX. The problem is neither of these things ever happened. This account has been reporting on my account for at least 5 years. 

The credit union supplied me with a letter that was sent to Experian via mail that says that they are not reporting a charge off account in my name. They have informed me that it must be being updated by a third party. They also assured me that if they were contacted they would let Experian know that the account should not be on my credit file. They have supplied me with a letter that I will attach to this complaint. Experian has failed to look at the supporting document and reach out to the creditor for verification.
Consumer complaint received 2022-08-12
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. (GA)

On XX/XX/2022 I contacted all three credit bureaus ( XXXX, Transunion and XXXX ) regarding unauthorized inquiries on my credit report and wrong addresses reporting also. They have not responded or removed the inaccurate information.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/XXXX - I deposited a check from a friend at a Bank of America ATM, and the ATM receipt indicated it would be subject to a hold until XX/XX/XXXX. ( I had previously called Bank of America to inquire about their funds availability policy, and was told the ATM would inform me of the specific details. ) Subsequently, I scheduled an ACH withdrawal to occur after XX/XX/XXXX, when I expected that my deposited funds would be available. 
[ Attachment : XXXX ] XX/XX/XXXX - I received notice of a new hold on my deposit that would end on XX/XX/XXXX. I chatted with BofA customer service and was told that my ACH withdrawal ( which was being processed ) would clear on that date. 
[ Attachment XXXX : XXXX ] [ Attachment XXXX : XXXX ] XX/XX/XXXX - I received notice that my ACH withdrawal was declined. 
[ Attachment : XXXX ] XX/XX/XXXX - I contacted BofA regarding the status of my account, and was referred to their Fraud Department at XXXX. The Fraud Department informed me that my account is now frozen, and will only accept deposits. I am unable to access any funds in my account. I have been a perfect banking customer since the start of my relationship with BofA in XXXX, and have deposited thousands of dollars biweekly through my paycheck as well as other large transactions with no incident until now. 
[ Attachment : XXXX ] Please help me regain access to my money as I need to pay my mortgage and other bills.
Consumer complaint received 2022-08-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I sent XXXX and equifax and also XXXX a detailed police report to make them aware I was a Id theft victim for XXXX  XXXX and XXXX XXXX  XXXX I mailed them a police report and I emailed them a police report there investigation failed to remove the id theft account from my credit report creating hardship for me obtaining credit my score was good before all this I have been fighting with credit bureaus for over 3 months to fix this and they are in violation of fcra for not removing the Id theft debt after I produced a police report for XXXX XXXX and XXXX XXXX accounts and inquiries on my credit report Im asking these agencies to please remove this permanently off my account so I can get on with my life XXXX XXXX was removed once before than added back XXXX failed to investigate and put a pending satus on my report instead of full removal and its been past 30 days
Consumer complaint received 2020-05-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$4200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 


-- REAL ESTATE LOAN 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-08-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I sent Experian and XXXX and also XXXX a detailed police report to make them aware I was a Id theft victim for XXXX XXXXXXXX and XXXX XXXX XXXXXXXX I mailed them a police report and I emailed them a police report there investigation failed to remove the id theft account from my credit report creating hardship for me obtaining credit my score was good before all this I have been fighting with credit bureaus for over 3 months to fix this and they are in violation of fcra for not removing the Id theft debt after I produced a police report for XXXX XXXX and XXXX XXXX accounts and inquiries on my credit report Im asking these agencies to please remove this permanently off my account so I can get on with my life XXXX XXXX was removed once before than added back Experian failed to investigate and put a pending satus on my report instead of full removal and its been past 30 days
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (SC)

I have a Mastercard that I received when I went to XXXXXXXX XXXX XXXX and they offered a rewards program. I have been using my card and have had my payment automatically drafted from my account every month for 3 years - never a problem. I noticed during my online banking that my XX/XX/XXXX payment that was drafted was {$270.00} instead of the $ XXXX that I pay each month. I attempted to go online and figure out what was causing the problem, and after attempting to login several times without any luck, I tried calling the number on the back of my card. After entering my details, I received an autoreply that they could not speak with an authorized user. I am the account holder - not a user! As soon as the message was over the call was automatically disconnected. I started looking for other ways to contact Comenity ( they began processing payments several months ago and they've recently been taken over by Bread XXXX or possible changed their name to Bread XXXX ). I began doing some online research to see if there were other complaints from consumers, and there have been hundreds. This Comenity/Bread XXXX has been ruining consumers ' credit scores by reporting false information such as consumer hasn't made monthly payments, late payment fees being applied month after month when they're claiming consumers did not pay. It is IMPOSSIBLE to speak to a human about this critical problem and I'm terrified my credit score is going to be impacted this month. I assume the {$270.00} was possible late fees and not my automatic payment, but it's impossible to determine because Comenity 's online system is down and has been down for several weeks if not months, as reported by other consumers who have filed complaints against Comenity/Bread . I believe a class-action lawsuit has recently been filed against Bread XXXX and I am pursuing this course of action. I have done absolutely everything required by me to determine why my XXXX automatic payment was about {$200.00} less than my last monthly automatic drafts by going online to access my account to calling them directly to pay this credit card account, with absolutely ZERO success.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CIBC BANCORP USA INC. (NY)

I opened a new account with XXXX XXXX ( Online Agility ) on XX/XX/XXXX. The advertised rate on that day was 1.45 %. When the account funded on XX/XX/XXXX on completion of the test deposits, the interest rate was lowered to 1.35 %. I tried to stop the opening transfer, close the account or withdraw the money and they told me I could not do any of these or have access for 30 days even though they changed the rate from the one advertised and the amount is less than {$5000.00}. This is false advertising, and they should not be allowed to do business this way. I just want to access my money back.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I am a victim of identity theft. Please remove these accounts that appeared on my Chex system and XXXX credit bureau. These are fraudulent. They don't belong to me. 

XXXX XXXX XXXX XXXX appears 3 times XX/XX/22 AND XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 ON XXXX XXXX BANK XX/XX/22 According to consumer law 15 U.S.C. 1681b ( a ) ( 2 ), CRA 'S do not have permissible purpose nor did they have my written instructions any negative information on my report.Please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B 15 U.S.C. 1681c-2 which states that the information must be removed within four business days of receipt.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (GA)

Initially, I contacted the prepaid debit card company Chime, on XX/XX/2022, via email for unauthorized debits that were drawn from my account. I received my direct deposit every two weeks into my Chime account and Chime acts as my financial institution that failed to honor my request for revoked authorization that was made prior to XX/XX/2022, via the Chime Bot. Chime was contacted via email and advised that there were 5 unauthorized transaction that occur on XX/XX/XXXX. 2022 by XXXX or it may appear as XXXX XXXX, I advise Chime that the merchant no longer had the authorization to debit my account. Yet on XX/XX/2022 after all efforts on my end to ensure that an unauthorized debit doesn't occur. XXXX XXXX XXXX XXXX was able to debit my account 3 times for XXXX then started to take random amounts of XXXX and XXXX which cause my account to go into overdraft status. I contact Chime yet again to advise that the merchant no longer had the authorization to draft my account. I spoke with several representatives who advised that the merchant will no longer be able to draw from my account. Yet on XX/XX/2022, another transaction occur from XXXX XXXX after speaking with Chime representatives to revoke authorization. They should not have been able to draft my account and do not have any authorization to debit my account. Any transaction that is honored, is without my consent. The debits continue to occur although Chime has been contacted several times via phone and email and advised as my financial institution not to honor any transaction from the XXXX XXXX XXXX. The debits continue to occur although I have received a new debit card, I revoked authorization. My request is not being honored as a result I am being forced to pay for transactions that show not be drawn from my account. This matter has caused hardship by allowing an unauthorized transaction to continue to be honored. Another attempt to debit my account occur this month in XXXX.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2020 at around XXXX AM, I received a called from my sister, XXXX XXXX, stated that Wells Fargo Bank was trying to get in touch with me and said I needed to call back. The woman leaving the message said her name was XXXX. I did not call back right away, but about 10 minutes after getting the message my phone began to ring. and continued to do ring twice before my daughter XXXX said, that might be Wells Fargo calling back. I then answered the phone and it was the woman named XXXX and that she was from Wells Fargo. She proceeded to tell me that there are some unauthorized transactions on my debit card. She went on to say that someone in another state was using my card number at a Target for {$690.00} and a XXXX for {$120.00}. She stated that Wells Fargo is shutting my card down and issuing out a new one. XXXX had my personal information like the last four of my Social Security and my cellphone number. She went on to say I will be receiving a verification code through a text message and to give her the number once I receive it. I did and she told me to hold on and not to hang up. Then she came back said I was all set and I should receive my new debit card in XXXX business days. I then hung checked my account and found that there was a {$2000.00} wire transfer out of my account. I immediately called the bank and told them what had just happened and that my account had been compromised. The person I spoke with at the bank was named XXXX. He then connected me to the fraud department where it was taken over by XXXX XXXX at Wells Fargo. I was given a claims number of XXXX.
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (WA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2023-01-03
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. (GA)

In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 12 CFR 1022.82 ( c ) ( 2 ) ( ii ) ) - A user must develop and implement reasonable policies and procedures designed to enable the user to form a reasonable belief that a consumer report relates to the consumer about whom it has requested the report when the user receives a notice of address discrepancy. 


XXXX XXXX is reporting to the bureaus an inaccurate address, after numerous submissions of verification documents that confirm the information they are reporting regarding my identity and ownership of the account to be false. The bureaus refuse to abide by the laws set to protect me from occurrences like these.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (MA)

XXXX Bank conspires to oppress my rights as a consumer with their associates Equifax in their XXXX  enterprise. They are violating GLBA and FCRA by continuously furnishing my consumer report without my consent and stopping the removal of negative and inaccurate information. Even after the inquiry was confirmed to be removed by Equifax the inquiry remains to be there. They are deceiving me with false information. Please see attached notice.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (MS)

I have been waiting on debit card for 33days now. Since XX/XX/XXXX. The amount on it will be at {$6300.00} on XX/XX/XXXX. The longer I wait the more I have to spend in interest from having to borrow money. Ive called and cant get a person on the phone. Its all automated and their website gives no details until you have a card number. Ive went as far as to email conduent since they are responsible for XXXX ( XXXX XXXX XXXX ), which they havent used since XXXX when xerox took over. They became conduent in XXXX when xerox divided the company.
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (WA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2022-08-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

In my previous complaints, both here and on the phone, starting on XXXX the XXXX or so, I had asked Fay servicing to provide an escrow analysis justifying the payment amount that was imposed XXXX  days before the XXXX payment was due. It was changed from XXXX ( from the XX/XX/XXXX escrow analysis ) to XXXX ( Current payment amount ). Now Fay servicing completes a new escrow analysis and provides a XXXX NEW PAYMENT AMOUNT ( From XX/XX/22 Escrow Analysis ) IN A XXXX  MONTH SPAN in the amount of XXXX. So far Fay servicing has not given me proper justification for the 2nd payment amount, and by giving me a 3rd new payment amount has also admitted that the 2nd payment amount was incorrect. NOTHING about this mortgage has changed since XXXX when Fay servicing took over. This level of incompetence is obscene. I would be ashamed to work for Fay servicing and would question why the people in charge of this are still employed. This is basic math. Fay servicing does not have the ability to use basic math. Please provide an explanation why the 2nd mortgage payment differs from the third even though NOTHING has changed. Please explain the calculation ( mortgage balance and applicable % ) you are using to arrive at the monthly XXXX  payment.