davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

Please update my personal information on Equifax, XXXX XXXX 

My only address is XXXX XXXX XXXX XXXX, VA XXXX. 

any other addresses do not belong to me and need to be removed.
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC (VA)

These people will not stop calling my work number. I do not owe a debt to these people and they are harassing me daily. I have filed a complaint with the XXXX. Again, this is my work number and I do not want calls from fake companies that don't identify themselves.
Consumer complaint received 2023-08-08
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)

I have a Fruad Account appearing on my credit report Remove Immediately. XXXX XXXX XXXX {$1000.00} Opened XX/XX/2022 XXXX
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MI)

My husband and I decided to remodel our home 's floor. so we went to The XXXX XXXX located on XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX and we met XXXX , sales representative. We picked what tiles we want and everything else. So the sales rep offered us a financial help with their store credit card for 12 months free interests suppose to be a promotional they had at that time, free interest for 12 months period that's what he told me. So on XX/XX/XXXX same day, he ran my name and my social number and I was approved for {$17000.00}. so we made that purchase for the tiles for {$6600.00}. after we received the tiles, and after about few weeks we received the first statement from the tile shop credit which is backed up by Comenity Bank. when i got the statement i found out the promotional free interest was only for 6 months not 12 months like he told me. anyway the balance was high and the tiles were home so i couldnt do anything, i was afraid if i call them and complain they will tell me to pay off the whole balance and i didnt have the cash at the time. so when my promtion was going to expire on XX/XX/XXXX i tried to lower my balance as much as I could to avoid paying to much interests. so i lowered my balance to {$3300.00}, and when i got my recent statement i was shocked to see they charged me {$870.00} in interests. i never expected to be this much, i know i have a balance due and my promotional rate ended but i didnt know it was going to be this much interests. so when i called them and talked to them they told me oh these were held interests for the 6 months for the original balance and i will have to pay them if i dont pay my whole balance before my promotional expires. i told them, i wish i knew that, the sales rep promised me 12 months free interests, and he told me they are free interests for 12 months, he never told me they were held interests. i thought their store credit card is just like all the other credit cards with their promotional deals for 6 months free interests or 12 months free interests. now they cant do anything about it, they dont want to wave the interests, they dont want to give me a break or help me even though i offered to pay my whole entire balance today. We feel we got scammed with this credit card, i would never opened that card if i knew the details, i was never going to apply for it if i knew is going to be only for 6 months, they played us The tile shop and their Comeity bank, i feel this is not fair and its not right, and if i dont pay they going to ruin my name and my credit. i feel this is a fraud from the sales rep, the company, and the bank, we feel trapped now and no way out of it until i pay their interests. please help me to wave the interests and make them stop doing that to other people.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kramer & Frank, P.C. (KS)

I am tired of getting harassed by Kramer & Frank. Every time I made a little payment, they return it because they say that is not enough. I will ask you what it's enough, nothing or something. The other thing is Kramer and Frank doesn't have a consolidated account for XXXX XXXX XXXX, they have them separated and maybe that is ok but every time I contact them to make payment arrangements they are very rude and they demand their own monthly payment. I am a single mother and I can't afford whatever they want me to pay. They should give the consumer the chance of paying whatever is available to them. The lock you out of the account and you are not able to login at all, they would return your payment. But I have proof that I have tried to make payments in the past and they refuse. 

Kramer & Frank P.C., XXXX Single Payment ACH Debit Confirmation Payment Identification Number : XXXX Kramer & Frank, P.C., Account Numbers : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX Current Balance : {$3600.00} Today 's Date : XX/XX/2020 Payment Date : XX/XX/2020 Amount of Payment : {$20.00} Payment Type : This is a single payment. 
Application of Payment : Your payment will be applied to your XXXX XXXX XXXX XXXX accounts in the order that Kramer & Frank, P.C., determines at the time of posting. 
Bank Routing Number : XXXX Bank Account Number : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX : XXXX, CA XXXX
Consumer complaint received 2022-11-02
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. (IA)

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX  XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
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. (IA)

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-11
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. (AZ)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

This account was opened up in behalf of my ex wife and she did agree to make the payment. My complaint is that the account is reported as {$7300.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of the vehicle far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 7 years and it has been hurting me and credit the entire time.
Consumer complaint received 2021-05-11
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. (IL)

Good morning, I have been having a problem with an item that appears on my credit credit report for over 2 years now. A Company called XXXX XXXX Is being reported negative about me on my credit report. I had account with them in XX/XX/XXXX To XXXX of XXXX which was paid in full and is reported correctly, However there is another account that was opened XX/XX/XXXX and had become closed and charged off in XX/XX/XXXX with first late payments being reported in XXXX of XXXX. This account the one from XXXX of XXXX is not mine!!! I never had a second account with XXXX XXXX Yet it has been being reported on my 3 major credit reports negativly about me for over 2 years and its not mine and I keep disputing this item I contacted them I was told they moved or switched companies basically I got the run around! I need help because I dispute over and over and over with the 3 credit compaines XXXX XXXX XXXX Experian and month after month same thing nothing happens I get stuck with it on my credit report and I shouldnt have to wait 7 years for something that isnt mine please help me!! I have relatives that Have same exact first and last name as me one who was in prison and lived with me briefly then had his own place he could have used my name not sure but not me please help! As this stupid thing is hurting my chances of bettering my life post divorce with buying a houst getting 18 % interest on a car loan this account isnt mine I paid a XXXX XXXX XXXX for months and they string it along for the money Im to the point where I am ready to give up pls help me??!!!
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (GA)

Hi, On XX/XX/XXXX, ALTISOURCE/LENDERSONE pulled my credit without my consent. 

They marketed preapproval to see if I could get a Heloc loan service and stated the inquiry would be a soft pull to see if I would be qualitied. To my surprised this is reporting on my credit. I never continue with the program because of the rate and the cost amount requirement. I never authorized for my credit to be pulled, they told me just soft pull for qualification. I never did the program service with them. This incorrect reporting is sitting on my credit and hurting my credit for other financial service for me and my family. 

XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX number ( XXXX ) XXXX
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (IL)

Good morning, I have been having a problem with an item that appears on my credit credit report for over 2 years now. A Company called XXXX Now Is being reported negative about me on my credit report. I had account with them in XX/XX/XXXX To XXXX of XXXX which was paid in full and is reported correctly, However there is another account that was opened XX/XX/XXXX and had become closed and charged off in XX/XX/XXXX with first late payments being reported in XXXX of XXXX. This account the one from XXXX of XXXX is not mine!!! I never had a second account with XXXX Now Yet it has been being reported on my 3 major credit reports negativly about me for over 2 years and its not mine and I keep disputing this item I contacted them I was told they moved or switched companies basically I got the run around! I need help because I dispute over and over and over with the 3 credit compaines XXXX XXXX Equifax XXXX  and month after month same thing nothing happens I get stuck with it on my credit report and I shouldnt have to wait 7 years for something that isnt mine please help me!! I have relatives that Have same exact first and last name as me one who was in prison and lived with me briefly then had his own place he could have used my name not sure but not me please help! As this stupid thing is hurting my chances of bettering my life post divorce with buying a houst getting 18 % interest on a car loan this account isnt mine I paid a XXXX XXXX XXXX for months and they string it along for the money Im to the point where I am ready to give up pls help me??!!!
Consumer complaint received 2017-09-08
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. (CA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (IA)

I have been trading with Binance US over the past few months and was notified on XX/XX/2021 of a deposit that did not go through from XXXX and was asked to deposit XXXX USD. I promptly did so that same day with verification from my bank that that money was withdrawn from my checking account. That money was subsequently removed form my trading account by Binance US to satisfy the initial charge that did not go through. 
My trading is still disabled and I was able to deposit another XXXX USD but have been unable to trade or withdraw any funds. 
I have submitted several tickets and requests to restore access to my funds with no response other than automated emails saying my request was received. I have over XXXX dollars worth of USD and different cryptocurrencies which I have not been able to access for almost a month.

I have also re-verified my personal information ( drivers license, address, selfie and personal video asking to reinstate my trading as I thought this might accelerate resolution of this issue.

Ticket numbers that I have received from Binance US for my requests include # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WI)

this company is reporting inaccurate and unverifiable information on my credit report. They are also in violation of the HIPAA by claiming to have information about any hospital records they they are not allowed to obtain. They are violating my FCRA and the FDCPA because they need certain records to be able to place a collection on someones credit report. They must be able to present a verified address verification items such as full ssn proof of the collection ownership a contract that is sign with my signature as proof of this bill also they must show what was this bill for in order to do that they would need access to records that they are not allowed to access by law so they must remove this XXXX from the other 2 credit reports immediately it was proven to be unverified by XXXX  and yet they still have it showing on my XXXX and equifax accounts i want this removed immediately or i want to see all proof of this collection and if I do not recieve a response in the proper timing you could be fined XXXX dollars
Consumer complaint received 2023-06-02
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. (CA)

Despite the multiple previous written requests, the unverified the following items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (PA)

When Simple transferred to BBVA on XX/XX/XXXX I was unable to access my account information, receive deposits to my account, or use my card. Using the customer support line provided resulted in long wait times, and the line would hang up on me multiple times. There was no other customer support provided and no information on when the problem might be resolved. I had to call a local branch in a different state to have my account password reset so I could access my banking info four days later on XX/XX/XXXX. Furthermore the information they provided me about my routing number staying the same was untrue, my routing number had changed making XXXX XXXX bounce and so I had to use a different bank to transfer my money into, I only found all of this out days afterward.
Consumer complaint received 2020-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (MO)

There is a negative collection report on my credit for debt that is and was not mine. I was taking to XXXX Hospital as a child. The amount on my credit is for XXXX from Merchants credit, I was a minor child not responsible for this debt. This debt belongs to my parents not myself. I have disputed it and nothing.
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is a formal complaint against Portfolio Recovery XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-05-11
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. (GA)

XXXX  and Experian have failed to investigate why XXXX XXXX is reporting late payments on this account. I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, nor XX/XX/XXXX. I had auto-pay setup and was always on time.
Consumer complaint received 2022-11-02
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. (VA)

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

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

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.