davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

I've seen no changes for the accounts that I have filed last month, and disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (PA)

In XX/XX/2018 I utilized a 0 % APR offer for a balance transfer which would last for 12 months. Prior to this I had not had any issue with my balance being paid, and had not accrued any interest. However, after the balance transfer had posted, although I had paid more than the amount of my purchases ( which the excess should have been used to reduce my balance transfer amount ) I began to see two things : First, interest charges in the month of XXXX and XXXX, and I now see a running interest balance that will be charged for XXXX. Second, my balance transfer amount has not gone down in the amount that I have paid the company. Attached are the documentation of my conversation with the company, billing statements ( which reflect payments as well ), and the initial acceptance email of the 0 % APR offer.
Consumer complaint received 2020-12-02
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: Experian Information Solutions Inc. (CA)

I pinned of XXXX XXXX account credit and paid settled in for as of me Ive been submitting the letter that I received from XXXX XXXX XXXX and I have a XXXX balance owed to them and its been considered paid him for since I have some at the letter I had to try to do a three-way call with experience any federal accountant and nothings been done Ive submitted over for different disputes
Consumer complaint received 2022-04-26
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orions Management Group, LLC (TX)

on XX/XX/2019 I submitted a complaint with the CFPB asking Orions Management Group , LLC to validate the alleged debt in the amount of {$650.00} that is reflecting as negative against my name and social security number with all three credit reporting agencies. On XX/XX/2019 Orions Management Group , LLC responded to my complaint by stating the debt was indeed valid and belonged to me They responded by saying " Orions Management Group , LLC is licensed in Texas and have attached the proof. I have also attached the proof of the original Loan File when he consumer received the loan. We have not violated the FDCPA in which the allegations are made here. Orions sent the 1st Notice letter by law which a copy will be attached. The Chain of Title is XXXX to XXXX XXXX XXXX to XXXX XXXX XXXX XXXX to Orions Management Group , LLC. We have done everything correct by the FDCPA and FCRA. We own the debt and therefore we are reporting as a collection account. This account will not receive and calls it will remain unpaid in a cease and desist status. If there is any further questions that pertain to the debt I can be reached at directly XXXX XXXX XXXX. '' I received a contract that bared an electronic signature and not my WET signature allegedly obtained through my personal email. I would like to know where exactly the furniture ( sofa ) outlined in the contract with XXXX was delivered to, as I never received the furniture outlined in the contract with XXXX. Although, I have done business with XXXX XXXX, the orginal creditor with which the contract with XXXX was initiated, it was through XXXX XXXX and not XXXX. This account is fraudulent.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is reporting a loan that I paid off as being delinquent. I paid the loan off in full in 2016. It is still reporting negatively on my credit. I called XXXX XXXX and confirmed that I did not have any outstanding loan balances with them.
Consumer complaint received 2019-03-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NV)

They are charging me {$97.00} fraudulently because I've never lived in those apartments. I think somebody uses my name or social security to do that. Please, I want them to call the XXXX  and delete that if I do not take legal action for fraud.
Consumer complaint received 2019-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (GA)

On XX/XX/2016 I sought emergency care in a North Carolina hospital after an automobile accident. At the time I had hospital insurance with XXXX XXXX and also XXXX XXXX XXXX. When I received a bill from the hospital I called to question why I was being billed but promised to pay a small amount as a " goodwill place holder '' until I could clarify my responsibility.. Some months later, XXXX contacted me and took ownership of their insured 's liability and I erroneously thought that XXXX would pay all medical bills associated with the accident. I found out that the medical debt to North Carolina had gone to collections, thus spoiling what had been my stellar credit score of the years. 

As a new resident of Georgia, I was never able to find any lawyers to help me with any claims either because they did not practice in North Carolina or because my case was not worth their while. ( Moreover the timing of the accident presented any number of other issues piled up to complicate the matter. ) As I mentioned earlier, I had erroneously thought that XXXX would pay the medical bills that I had incurred. I have finally gotten a settlement offer from XXXX only to find that NC law does not permit XXXX to pay the debt incurred in the NC Hospital emergency department. The settlement leaves me with a diminished credit rating, the balance of over {$1000.00} in collection, and the unresolved question as to why the NC Hospital 's Billing Department did not first make a claim to my health insurers I think that this was an error on the part of the NC Hospital. I want to add that I received subsequent medical treatment through XXXX XXXX, for which liens were attached to the settlement and thus these bills will be paid by XXXX. The statute of limitations for the accident is just about to expire as far as the accident is concerned .. Because I am XXXX years old and have never had any credit problems, I had no thought of contacting you earlier and still do not know if you can offer any advice. However, I am going to call your telephone number but wanted to establish a background. I am only trying to address the bill from the North Carolina Hospital that is on my credit report
Consumer complaint received 2019-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (TX)

This account was opened for 18 months and I have always paid the amount due even if had to pay 2 months at a time, due to my pay at work. I paid the account down a large amount in XXXX. I made my final payment in XXXX. I then was slapped with over XXXX in interest after paying off the account. 
The irony is the one person I have been able to talk to me says I was 7 days too late in paying off the account so I was penalized. The other irony is I called multiple times during the account payment time last year 2018 and asked for this account to be put on revolving credit because I was told when I made this purchase I could make this change at a later time if needed. I was completely ignored and no one would allow this to occur. 
This company will not let me speak to anyone about this matter and I have called several times. I need this removed because this is fraud. I paid the amount off and was not late. I need this reviewed. I do not even have the same account number this statement is reflecting. I was sold this under XXXX and then someone else bought my account and changed the terms and will not talk to me. NEVER do business with XXXX or XXXX XXXX because they are FRAUDULENT and will ruin your credit. I bought a large diamond for my wife and she has a large credit account with XXXX, but due to the horrible time we have had dealing with this company we will never do business there again. Great jewelry, horrible banking.
Consumer complaint received 2021-02-10
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: TD BANK US HOLDING COMPANY (NY)

I was charged by XXXX for XXXX on XX/XX/2021 and XX/XX/2021 from my account from TD BANK ending in XXXX. I disputed the charges both times and I was denied my claim. I had originally contacted XXXX to resolve but they have no record of my card being registered as a form of payment. My XXXX account is being paid through XXXX.
Consumer complaint received 2019-03-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

It is my understanding that CFPB has taken action against PORTFOLIO RECOVERY for fraudulent collection behavior. I am a victim of such behavior and the credit bureaus will not investigate on my behalf. Portfolio Recovery has a fraudulent collection account on my credit report in the amount of {$670.00}. They report this as a delinquent derogatory account on my credit report every month and this is a fraudulent account. They continue to update as a negative account every month against me. I have filed several disputes with the credit bureaus multiple times and they have not taken any action to help me. This is a fraudulent account that I do not owe and that is not mine. They haven't proved or provided any agreements or contracts signed by me. They just ignore my disputes and keep on ruining my credit profile every month. The credit bureaus need to remove this account immediately.
Consumer complaint received 2019-03-10
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Immediate Credit Recovery (NY)

Reached a settlement agreement with ICR Immediate Credit Recovery amount of {$6600.00} to be paid by XX/XX/2019. The XXXX website has been down for the last three days and I am unable to submit payment. Their office is closed today XX/XX/2019. They should honor my agreement to the next business day without penalization.
Consumer complaint received 2023-01-18
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. (KY)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX  XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance XXXX : {$1200.00} XXXX XXXX XXXX Owed : {$8100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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. (NJ)

I am writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.
Consumer complaint received 2020-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

ISSUE : XXXX XXXX FAILED TO GET ME DECENT JOB WITH MY XXXX DEGREE OBTAINED FROM THAT GRADUATE SCHOOL SINCE XX/XX/2016. NOW I HAVE MY XXXX XXXX AND ONLY DOING XXXX XXXX FREE WORKS AND NO PAYMENT. ALSO HAD PROBLEMS WITH XXXX XXXX XXXX, XXXX XXXX AND XXXX UNIVERSITY WHICH WERE FURTHER STUDIES AND NO TRANSCRIPT GIVEN SINCE THEY NEVER GAVE ME TIME FOR COURSES MAKE - UP AFTER DEATHS AND PERSONAL INJURIES WITH IN MY EXTENDED FAMILIES. SO FAR DEBT TOTAL AT ABOUT {$100.00}, XXXX AND NO JOB HELP AND OR SUPPORT PER PAYMENT. I AM A SPECIAL SENIOR AND SOME OF THEIR STAFFS NOT HELPFUL
Consumer complaint received 2020-12-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-02
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)

I have always had perfect credit and pay my bills on time. 
I have relocated and my mail has not been proper with XXXX XXXX. I made the payment onetime and whoever the agent was took down the wrong account number and the company reported late on my credit bureau report included with my husband. If this company can not remove the late off of my credit, I want to disassociate myself with the company. 

I am a very successful and there is no reason there is a late on my credit report due to the company 's error.
Consumer complaint received 2017-12-14
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. (FL)

XXXX XXXX is reporting a loan that I paid off as being delinquent. I paid the loan off in full in XXXX. It is still reporting negatively on my credit. I called XXXX XXXX and confirmed that I did not have any outstanding loan balances with them.
Consumer complaint received 2020-12-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (CT)

I have sent multiple letters to all three credit bureaus and Santander Consumer USA in regards to the charged-off collection account that is reporting on my credit report. The court ruling that issued to Santander in XXXX due to their unlawful lending practices. Based on those rulings, this account should be removed from all three of my credit reports immediately. I reside in XXXX  and use to reside in XXXX XXXX which makes me eligible for this account to be removed. I have attached supporting documents with this compliant.
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NV)

According to the law section 809 of the FDCPA, CONVERGENT XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX MUST provide a 'signed ' contract of myself doing business with their company and my obligation to pay them. this company HAS NOT PROVIDED this information to me. The above company has been given the allotted 30 days to provide this. THEY ARE VIOLATING MY FEDERAL RIGHTS and are subject to lawsuit. I want to file this complaint on this company for this. Please assist me in correcting this, as it is and has damaged my lifestyle and ability to gain and maintain employment.
Consumer complaint received 2020-06-04
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. (TN)

Experian did not properly investigate my XXXX. I never had a XXXX account. 

Experian did not properly investigate my XXXX account. It is saying I was late. I was never late. 

Experian did not properly investigate me XXXX. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX XXXX XXXX. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my Dept ed/XXXX  account. It is closed and still showing on my credit report duplicate accounts. 

Experian did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX  account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX account It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX Account. I never had a account with them. 

Experian did not properly investigate my XXXX XXXX account. I never had a account with them. 

Experian did not properly investigate my XXXX account. I never had a account with them. 

Experian did not properly investigate my Chapter XXXX account. I never had a account with them.
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

company obtained and purchased personal private consumer information without my consent. 
company shared my personal information without consent. 
company violated a multitude of federally protected consumer rights under the Fair Debt Collection Practices Act. 
company shared personal information with a credit reporting agency in an attempt to harm my character and credit score.