davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/2022 I noticed 2 fraudulent charges on my Ulta Comenity credit account for approximately $ XXXX ; one in XX/XX/2022 and one in XX/XX/2022. I contacted Ulta Comenity to speak with an agent. When I reached the agent, he said he was going to connect me to the Fraud Dept. but hung up on me after I waited almost an hour on the phone. I tried contacting the agent again, with no success, so I sent 2 messages. One message asking to freeze the account for any new purchases, and one to ask about recovering the money for the fraudulent charges. They replied by telling me to contact their Fraud Dept. by phone. This was very frustrating. I have frozen the account for any new purchases, I have reported the card stole, but now I can not access my online account to make a payment on my remaining balance. Please help me!!
Consumer complaint received 2022-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Bill was co-pay to a doctor in XXXX XXXX XXXX. It was paid 0n XXXX. Ihave copy of check, front and back. Paid thru bill pay. Talked with head of consumer relations at XXXX XXXX XXXX. He confirms I owe nothing. HRRG continues to send statements and leave messages on voice mail. This bill was for {$30.00}. 
XXXX XXXX confirms they do not use HRRG and described this as a scam.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (MD)

Hello I am now divorced and recently married so my new name is XXXX XXXX XXXX. I am requesting assistance with my Credit Card Company Avant. Card # XXXX. POC is XXXX XXXX ext XXXX claim # XXXX, email address of rep XXXX ... .In XXXX / XXXX of 2022 I applied and received a credit card with Avant. I applied for this credit card to go on vacation. I unfortunately lost the card and did not know. I found out that my card was lost when I was looking at my app and saw that there were various charges on my account that I did not do. I called and filed a fraud claim with Avant. I also tried to do some investigation my self calling the merchants to let them know what happened to me. They said they could not assist me because I already filed a claim with the bank.. I called to find out the decision on my claim and recently was told that I am to be held responsible for the charges even though I did not place any of the charges and not in possession of the card
Consumer complaint received 2022-08-04
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: CLGF Holdco 1, LLC (WI)

I received a bill in the mail for a milestone credit card from genesis fs card services ( account ending in XXXX ). I did not apply for this card. I have not received this card and I don't want this card. Bill date I received was XX/XX/2022
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

There is a credit balance of {$150.00} on my Kohl 's charge card account. I have contacted Kohl 's several times requesting a refund check be mailed to me ( first contact was on Thursday XX/XX/2022, second contact was on Monday XX/XX/2022, and third contact was on Tuesday XX/XX/2022 ). However they have not yet processed my refund check and the credit balance continues to show on my account. Kindly requesting that Kohl 's send me my refund check as soon as possible.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NH)

I have a card with Ulta/Comenity bank, I have not made a purchase on the card since XXXX  and turned my card off I believe in XXXX I have paid hundreds of dollars worth of payments and my balance has gotten higher saying that I am paying late fees despite paying on time, the payments are not processing. The minimum payment and the late fee are very suspiciously the exact same amount which is XXXX out my payments. Recently my limit was increased despite my card being shut off. In XXXX I called to ask where my payments were going because I was not making purchases as my card was shut off, and they said since I was making the minimum payments that the payments were useless. Last month I tried to make my payment and the website said this account is inactive or blocked and didn't allow me to make a payment. Today I went to double check to see if I could try again to pay and my account is mysteriously active again without my permission. I also have an even larger late fee and even more finance charges because the account wouldn't let me pay last month. My balance is now INCREASING despite NOT USING THE CARD SINCE JANUARY AND MAKING SCHEDULED PAYMENTS FOR SEVEN MONTHS.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (WY)

Dear CFPB, After numerous attempts to contact AMEX about a fraudulent credit card taken out in my name in early XXXX XXXX, I have had no success at all even after the police report was finished in receiving any help in disputing the charges. Furthermore, the company sent me to debt collections even after the detective on my case provided AMEX with undeniable proof the credit card was taken out fraudulently contained within the completed police report. I have been lied to on the phone about being sent contact information of someone I can send a police report to myself and I keep receiving notices that I took out the card and therefore I am liable. I had no idea a credit card was taken out in my name, I was not even living in the state the card was taken out in. I am really disappointed with AMEX for providing ZERO security in regards to who can take out a credit card. The card was maxed out by the person who did take it out within a matter of weeks at almost {$12000.00}. I have never even been approved for this high of a credit limit before and it shocked me that someone could do this without my knowledge, and AMEX has not only been unhelpful, they have been rude and even mocking. 

The perpetrator also opened a second credit card in my name, an XXXX XXXX through XXXX XXXX, for {$8000.00}, also maxed out within a few weeks, and though I haven't heard anything further from XXXX, they have not let me know they have dropped the charges either after I reported the fraud. All employees at XXXX were professional and kind though, even though I haven't heard back about a resolution. 

Thank you for your time. Someone recommended I take this next step. I appreciate your help.
Consumer complaint received 2022-08-04
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. (MD)

I am writing this as a federally protected consumer, with no third party involved. I have been working for months trying to get negative information deleted from my consumer report. I pulled my credit report on XX/XX/2022 from Transunion, XXXX, and XXXX and I noticed that all three consumer reporting agencies have different information. I contacted all three consumer reporting agencies MULTIPLE times to have this situation handled. I am tired of waiting months on in for them to " investigate '' and claim that the information has been " verified. '' This is unfair to me as a consumer. This complaint is in regards to my XXXX Credit Card with XXXX XXXX. According to my Transunion report that I pulled on XX/XX/2022 directly from their website, it shows a 30 day late payment in XX/XX/2022 and XX/XX/2022. According to my consumer report from XXXX dated XX/XX/2022 pulled directly from XXXX website, XXXX is reporting a 60 day late payment XX/XX/2022 and XX/XX/2022. According to my XXXX Consumer report pulled on XX/XX/2022 directly from XXXX website, XXXX is reporting a 30 day late payment on XX/XX/2022 and XX/XX/2022. There is a huge discrepancy and shows that this information is unverifiable and therefore inaccurate. 

Pursuant to Fair Credit Reporting Act Section 607b, " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This account clearly does not comply with Federal Law. None of the Agencies performed their duties to ensure my consumer report is accurate. Also Fair Credit Reporting Act Section 602 ( 3 ) ( 4 ), " Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, and XXXX are violating my right to privacy and is being unfair by reporting this erroneous, and inaccurate information to my consumer reports. I am also aware that I am entitled to damages pursuant to Fair Credit Reporting Act Section 616 for willful noncompliance. After multiple attempts of calling numerous customer service representatives and listening to tell them tell me they can't delete this from my consumer report, my patience is completely through. This has caused me a serious amount of stress. I have never received proof of these alleged late payments.
Consumer complaint received 2022-08-04
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00}
Consumer complaint received 2022-08-04
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. (NC)

It has been proven that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$35.00} XXXX  XXXX Balance : {$330.00} XXXX  XXXX Balance : {$47.00} XXXX  XXXX Balance : {$70.00} XXXX  XXXX Balance : {$70.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020
Consumer complaint received 2022-08-04
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. (MA)

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, XXXX and EQUIFAX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them XXXX more chance to correct their errors and FIX my record. Please Fix the account XXXX  XXXX XXXX Balance Owed : {$2400.00}, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have XXXX days to FIX the account listed.
Consumer complaint received 2022-08-04
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$23.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 

the following account is in violation :XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-08-04
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. (MA)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that EXPERIAN< XXXX and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove the listed items below : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX  XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-08-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mercedes Benz Financial Services (MS)

I am writing about my experience with Mercedes Benz Financial that is a mixture of a grateful " thank-you '' and a pressing request concerning an auto loan that was repossessed its showing on my credit files that I would like to have revised. I received the car in 2019 one year before the chaotic life event XXXX that caused me to lose my job. I became disorganized with respect to making timely payments with Mercedes Benz. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Mercedes Benz since that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which excluding the repossession everything is excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless.I am are about to shop for a new home and starting a family, and it has come to my attention that the notations from Mercedes Benz may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with character I am requesting that you give me a second chance at a positive credit rating by removing those tradelines and forgiving me of this debt. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at forgiveness and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2022-08-04
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. (PA)

This unverified accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not validate this account. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I was a customer of TCF Bank prior to them being bought out by Huntington Bank. Huntington Bank turned out to have terrible customer service and my account became more trouble than I'd anticipated. I opened a checking and savings account with my employer, XXXX XXXX XXXX and went about transferring all of my auto pay creditors to my new XXXX XXXX  Checking account, and I changed my direct deposit to my XXXX XXXX, so that there was no monies being deposited to the Huntington Bank Checking or Savings. I called Huntington Bank, asking them to close all of my accounts with them. The Savings account and online access were shut down, immediately, but I kept having to transfer funds from XXXX XXXX, via wire transfer, to Huntington Bank, since I was receiving daily alerts that my account was overdrawn. When I called, on XX/XX/XXXX, I was told that the checking account was still accepting attempts from creditors that I hadn't reached yet, to provide my new banking information. I have contacted all of my creditors and given them my XXXX XXXX, banking information. Huntington Bank is insisting that I owe over {$200.00} in overdraft fees that were incurred after the checking account had been closed. The most recent contact that I've had with Huntington Bank took place, via phone, on XX/XX/2022.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the charge-off listed on my credit report under the account number referenced above. Upon review of my financial records and my Wage & Income Transcripts from the IRS, I have discovered that Affirm filed a 1099-C form with the IRS for this account in the tax year 2023 indicating that the debt was forgiven and reported as income.

Given that the creditor has officially written off the debt, as evidenced by the 1099-C form filed with the IRS, it is my understanding that the continued reporting of this account as a charge-off is inaccurate and misleading. 
Please find attached a copy of my Wage & Income Transcript for the tax year [ 2023 ], which includes the 1099-C information reported by XXXX. I request that you immediately investigate this matter and remove the charge-off from my credit report to reflect the accurate status of this account. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to correct any information that is inaccurate, incomplete, or unverifiable. I kindly ask that you complete this investigation within the 30 days allowed by law and provide me with written confirmation once the charge-off has been removed. 
Thank you for your prompt attention to this matter. I look forward to your response
Consumer complaint received 2022-08-04
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. (MA)

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, EXPERIAN and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my record. Please Fix the account XXXX XXXX XXXX Balance Owed : {$2400.00}, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the account listed.