davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2020-05-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC (CA)

On XX/XX/2020 I attended a Free Dinner/Seminar provided by XXXX XXXX XXXX on the topic of XXXX. At the conclusion attendees were invited to attend a screening at their Offices for a {$79.00} fee. I attended this screening/interview with one XXXX XXXX, XXXX. ( the other Company Principle is XXXX XXXX, XXXX. ) I did not find out that they were XXXX  's and not XXXX  's until a few days later. Mr. XXXX repeatedly, with expertise, insisted that their program would end my XXXX XXXX XXXX XXXX XXXX I told him that I was a XXXX XXXX XXXX over 10 years ago and had not been tested for the last 5 years. I was assured that I could OPT Out of their Program and be refunded. I agreed to sign up for their program on that assurance by Mr. XXXX.I also mentioned that I had to wait 4 months for an Appointment with my newly assigned XXXX XXXX   Doctor and the AppT was on XX/XX/2020 and he ordered an XXXX XXXX  at that time. I received the XXXX XXXX   results on XX/XX/2020 and the Test revealed that I was not XXXX!! I went to the XXXX Office on Monday XX/XX/2020 and met with Mr. XXXX and informed him of my intent to cancel and he accepted and said he would notify accounting. I signed a form that I would Quit the Program See Encl ( 1 ). 
According to XXXX the Total Cost is {$14000.00} and I Paid a Deposit of {$2000.00} which leaves a Net Balance of {$12000.00}. See Encl ( 2 ). 
No refund of the Net Balance has been applied BUT XXXX XXXX XXXX DID REFER the Net Balance of {$12000.00} to a Finance Company named GREENSKY as a DEBT in my name!!! See Encl ( 3 ). 
I am a XXXX year old XXXX  United States XXXX and have received daily Phone Calls from GREENSKY, also Billings and Emails. Do not do MEDICAL business with XXXX!!!!!!!
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX  XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX*Balance Owed : {$XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX****Balance Owed : {$XXXX} XXXX XXXX XXXX****Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX}
Consumer complaint received 2020-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

I had an active pay pal that I would purchase and pay on my account.. never thought anything of it. On XX/XX/2019 I received a text message from PayPal that my account was having issues with fraudulent purchases. I called on it at first. They said they would be working with me together. I would hear from a department about my account.the next day I went down to our local sheriffs department filed a fraud complaint. I thought ok it was ok. Never heard back from PayPal XXXX They changed my account number.. I still made attempts to pay this in now XXXX. I was late plus in the hospital. Trying to figure out what the heck is going on. Then PayPal took out of my account double the amount allowed from what I agreed to. My bank had to step in. I called PayPal at this point multiple times.. now getting the run around. Was hung up on by one worker lied to by another. No one wanted to help me see what is going on with my account. I asked for a full print out of my account was told they couldnt do that.. had a couple other issues of pay pal trying to go into my account with our permission in XXXX my husband who works in corrections had enough of the issues coming from the fall outs of PayPal so did our credit union. I had to close my account down that I had for over 15 years.. this then caused a huge mess with all our direct deposits. I have freezed my credit so no one can run it. I am a XXXX year old woman not a young male buying razor video games online. This so far is what PayPal would only tell us.. my credit score has dropped horribly because of this. I work really hard at my credit. This bill is raising by leaps and bounds.. this needs to stop!
Consumer complaint received 2022-04-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (UT)

The company has reported the account to consumer reporting agencies without sending notice allowing me to validate the debt. The company is also attempting to collect a time-barred debt in accordance with state law. A copy of this complaint and all documentation supporting the facts will be sent to the State Attorney General 's Office and the Federal Trade Commission as a result of the violation.
Consumer complaint received 2016-12-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc. (OH)

I have a a unverified account from CBE GROUP # XXXX. I had previously disputed this account. I have never done business with CBE GROUP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that CBE GROUP Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2022-11-15
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. (IL)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-18
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. (OR)

I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The XXXX data breaches, and Equifax Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.
Consumer complaint received 2020-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (RI)

I finally received the documents from said company end of XXXX and faxed them over to the number listed on the package. I have yet to receive any correspondence. This was faxed over on XX/XX/XXXX. Please respond to my dispute this inaccurate collection from my report. I do not owe national grid this money and should not have this listed on my credit report. Please see the previous complaints. I have provided all necessary information and have done as requested but your improper use of stall tactics is keeping me from accomplishing my goals in a timely fashion. I have attached a copy of the fax that was sent.
Consumer complaint received 2020-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On the evening of XX/XX/2020 into the morning of XX/XX/2020, I was robbed of my cell phone and debit card in XXXX XXXX, LA ( I was presumably drugged as I don't remember much ). The thieves used my phone to access my PayPal account by changing my login password using my phone as the means of verification. They subsequently sent fraudulent payments to a " XXXX XXXX. '' I disputed all transactions ; however, the automated PayPal service to review fraud identified no wrongdoing. 

I reached out on multiple occasions to explain the situation. Finally, on XX/XX/2020, I was asked by PayPal to provide a police report. I did so, to which PayPal told me it didn't matter that I had a police report. As a result, I have a negative balance in the account of {$800.00}. As this was fraud, I don't believe I should have to pay this balance.
Consumer complaint received 2016-11-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I paid off my loan on XX/XX/2016 and have been waiting since then for an overage payment refund of approximately {$45.00}. I have made several calls to the branch and corporate office, and have gotten nowhere.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX USAA SAVINGS XXXX XXXX Are Closed / Charged off reporting in active balance. submitted numerous of disputes and contacted the credit bureaus to remove inaccurate account or change balance to {$0.00}. But do not investigate or change.
Consumer complaint received 2016-12-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I got into a car accident shortly after getting this loan and had changed jobs. I bought all three insurances from the lender to make sure if anything happened to me the loan would be covered and not harm my credit. I missed a payment and all the huge fees and fines snowballed the insurance I purchased would no longer cover me since the way I get paid changed. I continued to make payments and get caught up they continued to report late payments regardless even though I worked out an agreement. I was actually paid ahead XXXX XXXX and still reported me late. My loan was always paid ahead since. I have paid off this loan XXXX XXXX in full and the loan is still reporting as open with a dollar balance. I was sold fraudulent financial products such as the insurance and have now suffered harm to my credit because their bogus products to protect people from these circumstances are fake. The late payments need to be removed and a refund is due on the bogus products sold to me and all the pumped up fees and fines refunded and late payments removed. I could never recommend this company. I have a stellar credit history otherwise
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (IL)

Interest rates on my bank credit cards are 22.49 % while I have never missed a payment. I am retired and have watched my IRA decrease to a very terrifying level. 

HOW CAN THEY GET AWAY WITH IT? 

Where can I complain? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Apple Law Group, Inc. (NY)

I entered a Debt Settlement Program under the umbrella of Apple Law Group approximately 3 years ago and recently recieved a statement declaring the accountt had been " resolved '', after this company withdrawing a certain amount for over 3 years. I was suddenly told there was a statue of limitations with this particular bank because the main branch was based in Maryland, and there would not be funds withdrawn any longer ; the amount withdrawn came out to approximately XXXX U.S. dollars. Now the bank is trying to sue my ex-husband, who has nothing to do with this. And I repeatedly asked them to remove his name from the account. I am a victim of a scam and fraud.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received alerts from XXXX XXXX on one of my credit cards that there was a hard inquiry reported on XX/XX/22 and a phone call and email that my credit score had changed from XXXX XXXX XXXX. Both alerts said that it was through Bank of America and XXXX. XXXX indicated that the alert was for XX/XX/22. I have been a victim of identity theft before so I had previously locked my credit on all three lines. When I called XXXX that report was unlocked and Im unsure if it timed out or if it was unlocked from when I purchased a car earlier this year. I then made sure XXXX froze it again. After calling Bank of America they let me know that someone had applied online for a XXXX XXXX credit card and was approved for a {$16000.00} credit limit. Bank of America was unable to find the address directly related to the application but they did have an address of a family member that I had not provided. I asked them to remove it. They said the card hadnt been used yet and Bank of America also closed the account. They ensured me that they would work to correct any issues with my credit score.
Consumer complaint received 2016-12-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

I previously co-owned a XX/XX/2014 mustang with My husband. We first had it financed thru XXXX but had recently had it approved to have it refinanced with Ally. Before our first payment was due for the mustang with Ally we decided to trade it in. I traded in the mustang the weekend of XX/XX/XXXX at XXXX in XXXX. It was way before my payment was due at Ally. I called dealership to let them know Ally was contacting me on not getting paid, I was told it would all go away once they received check. Ally reported XXXX bad marks on my credit and havent been removed even after car got paid! I have never made late payments with any car loans and this has made my credit score go down alot. Really not happy!!
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS (CA)

I requested my " Full File Disclosure/Credit Report '' from the company Lexis Nexis ( a 3rd Party Credit Reporting agency ) and discovered they are reporting a derogatory item, the derogatory item they list on the report is a " Bankruptcy '', under my name. I sent XXXX XXXX, ( who Lexis Nexis reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. Lexis Nexis received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. Lexis Nexis has not responded to me with a decision, not reported my dispute and they have not responded to me with any action. This " Bankruptcy '' that Lexis Nexis has a record of is reporting to XXXX and XXXX, all XXXX of the Credit Reporting Bureaus which is affecting my credit scores and credit granting abilities negatively. I want this " Bankruptcy '' removed. Lexis Nexis failed to respond in 30 days of my letter and did not provide me with any competent verification of this " Bankruptcy '' bearing my signature. Id also like to note that I have sent the same letters to each Credit Bureau requesting verification and all XXXX ( XXXX, and XXXX ) have failed to provide me with evidence bearing my signature in regards to the " Bankruptcy. '' I will file separate complaints with CFPB if necessary. Thank You
Consumer complaint received 2017-04-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (GA)

I am not able to make my payments. My interest rates keep going up, which causes my payments to keep going up, even though I have contacted AES ( American Education Services ) multiple times over the years that I can not afford the payments. I have literally been told that I have to just make the payments " or else. '' Even if I paid 100 % of my paychecks I would not be able to catch up on past due payments as there would be less than {$100.00} left at the end of the month after making the base payments. Their website, depending on if I log onto their mobile version or the desktop version, will show me two different total amounts due for the month. One will show the past due amount, which is the mobile, and one just shows the two monthly payments combined and nothing else. I have emailed them at least twice about this issue, and have not gotten a reply to the second email, but on the first time trying to report the issue they stated that I should just know how much to pay even if the website is n't showing me a correct amount. I have been told, repeatedly, I do n't qualify for any assistance in payments. They used to have a 3rd party called XXXX XXXX try to help for people who are behind, but they are no longer communicating with them so I can no longer get assistance that way. My cosigner, who is my dad, can not help me make payments. His job is at risk because I can not afford my payments. When I contacted AES on XX/XX/XXXX, the associate stated my interest rates were ridiculous, and because XXXX, the company that owns XXXX XXXX XXXX, has been found guilty of fraud in a Federal court, she told me to try to go through the fraud process with my loans as I have not been able to use my degree for anything other than clutter. Realistically, I do n't think my loans will be forgiven, even though the company was found guilty of fraud, especially since AES, going by XXXX rules, is n't able to help me even have lower payments to where I can afford to pay for an apartment/gas/food.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX Transunion removed all credit inquiries from my credit report and between XXXX XXXX and XXXX XXXX, 2016 reinserted them. I was not notified in writing by Transunion about the reinsertion. This has happened on several occasions when credit inquires are removed and reinserted without notification. I am asking for all credit inquiries to be deleted accordingly.
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (TX)

My student loan is being reported on my credit report from multiple servicers due to being sold from one financial institution to another and it is showing on my report as if though I have many outstanding student loans loans ... I am disputing as Duplicate reporting of trade lines
Consumer complaint received 2022-08-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (UT)

Ive had this loan over a year the original interest rate wasn't that bad. But they offered draws on the loan. To which I agreed, and over the course I'd taken maybe 5 draws. Well I started reading online that each draw was costing me 299 %. I KNOW IF that was disclosed I never would have done it. I wrote a letter in XXXX asking the company what I could do. The manager leaves an angry voice mail. The next day they remove {$450.00} from my account. Plus the initial payment of {$180.00}. Then again in XXXX they do the same thing. I'm a single full time XXXX. They refuse to send a copy of the contractvi signed. And refuse to show me a list of all transactions.
Consumer complaint received 2017-04-09
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (VA)

I called Chase Bank to cancel my Chase United Mileage Plus credit card. They had just applied the {$95.00} annual feel for 2017 to my bill. I had n't used the card in some time so i canceled the card. I asked for a pro-rated refund of my annual fee but both the customer service agent and their supervisor refused to do so. So Chase is keeping my annual fee for a card which has been canceled. When I have canceled cards from other credit card companies, I have always received a pro-rated refund. Unfortunately, Chase chooses to have a different level of customer service which makes it a bank I will choose not to do business with in the future.
Consumer complaint received 2022-04-16
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)

In accordance with the Fair Credit Reporting Act 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 also states a consumer reporting agency can not furnish a account without my written instructions.