BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-16
Company: Fradkin & Weber PA
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was in an accident in XX/XX/XXXX. I had a lawyer, XXXX XXXX XXXX who was authorized to handle my claim. All my medical bills was forwarded to him. I never received any information on any type of medical bills that were owed. On XX/XX/XXXX, I was contacted by letter stating : I owed over {$4300.00} in medical bills, to XXXX XXXX XXXX XXXX XXXX XXXX, to collect a delinquent debt. I had medical insurance at the time under my parents and car insurance. I was sent to this medical service by my lawyer. I had no intention on going to this company. I figured, I would go to them since the lawyer, worked with this company. I contacted my old insurance provider and the other victims insurance who was at fault. My insurance sent {$2500.00}, to the lawyer for medical bills. The other insurance, provided a sum of money to the lawyer for medical bills ( waiting to hear back ). I also tried to contact the lawyer at the time and he got his bars taken away ( no longer a lawyer ). I also had a friend who was involved in the accident, who had to get her bills taken care of. I missed work for some time and had no vehicle for over a month due to repairs. Why, did n't this company contact me after several months? They sent me papers on what they believe I owe, 9 yrs later! There is no account information of my insurance carrier, no information from my lawyer at the time and no accident claim number listed on the bill. 
I first, thought this was a scam because there is a lot of scams that go on with people owing money. I do not agree with this debt because 1 ) its too old 2 ) my lawyer got his bars taken away. 3 ) I am being harassed, for information that this company should have taken care of years ago. 4 ) They never listed my insurance company, claim number or any information of my accident. 
If they knew this was accident related, they should have put this information on the medical bill. It is not my responsibility to take down this information. I was not an employee at this medical center. If they did not properly handle their debt in a professional, timely, organized, manner why should I be held accountable for somebody else 's mistakes?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXX : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I just received a recent credit report and it states that the my account is pays account as agreed, paid or paying as agreed, or current account/was delinquent 60 days past due date. My account is current with XXXX and that should make my credit report back to being positive in not negative. Everyone is remarking with the above statements but not showing the same thing on the report. This is not giving me an accurate credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid my balance off in full last year for XXXX accounts and it shows a zero balance however, it still shows as a collections account. I would like to have this corrected on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made my monthly Target RedCard payment on XX/XX/2020, using the same checking account I have used to pay it every month since the account was opened. The payment cleared my checking account within one business day ( that is, on XX/XX/2020 ), and the payment was listed as posted on my online RedCard account with one business day as well. My available credit did not reflect the payment, but I assumed it was a fluke and thought it would update soon enough. On XX/XX/2020, I received my next month 's bill from RedCard which reflected the payment made XX/XX/XXXX, and showed my available credit as updated ; however, my online account did show this update to my available credit ( and an attempt to use my card at a Target store demonstrated that the online account was accurate - my available credit had not been updated ). I called Target RedCard ( on the day I received the next bill - XX/XX/XXXX ) and was given the run around. I was told my payment was being " held '' and could get no information on why it was being held or when the hold would be released. 

On XX/XX/2020, when my available credit still had not updated, I called Target RedCard a second time and received the same lack of information. My payment was still being " held '' with no information as to why or as to when it would be released. I have never experienced this before with any credit card company, and the fact that I received a bill reflecting my payment during this time when it's being " held '' is especially galling. I have tried to obtain a copy of the RedCard Cardholder 's Agreement to see their policy on arbitrary payment holds, and I have been unable to obtain one. You can only obtain one by requesting it online, and when I do so, I am told my zip code is invalid, and thus the request can not be completed ( I'm using the zip code on my Target RedCard bills ). 

I intend to keep the card just long enough to see this resloved, and then I intend to cancel it. Who wants 5 % off with a store-specific card when you can earn 5 % cash back with a non-store specific card AND your payment will be processed on time?!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recantly went into 2 separate dealerships to finance 2 separate vehicles, both times I was already approved when I walked in, however they ran my credit over 20 times, here are the companies : XXXX XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  FI XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX/XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX CA ( Auto ) XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: ACCESS GROUP INC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
So I disputed an account on my credit report and it was returned as the address not being good. I sent it to the address on my credit report and it was returned to sender. This means the account is not verifiable and a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: General Motors Financial Company, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
While checking my credit report, I notice an account from GM FINANCIAL, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that GM FINANCIAL is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Conns company continues to call me XXXX times since XXXX XXXX to XXXX XXXX, when answer it 's either no one or a recording. Then they started calling my brother who 's number was never listed as a reference or anything on the paper harassing him. The account was not even XXXX days past due!!! When I contacted them to tell them not to call or bother my brother they lied and said they did n't and that phone did n't exist in their account then they kept calling and he told them that the number they were calling was n't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank statement reflects that on the XX/XX/XXXX a charge was made to my account bringing the total from {$14.00} down to {$2.00} cents. On the XX/XX/XXXX I checked my account to show that that very charge had XXXX overdraft fees. I spoke with customer service in person and they told me they would call after trying to get the transactions refunded. When they called they told me there was nothing they could do, and that the remaining overdraft waiver I had for the year had been added to the charge. After that I spoke with customer service again on the phone and they told me the same thing. I had money in my account and the transaction had gone through and yet they charged me an overdraft fee on it, using my money to instead pay a fee that was posted an entire XXXX hours later on XXXX. I know that this is n't ethical and if it is legal this is unconstitutional. I am adamant about getting this money back and will not hesitate to take legal action. I will talk to whomever it takes for as long as it takes in order for PNC to return the money they charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Barclay US Credit Card division places a 26 % APR on credit cards ... ..these are predatory percentage rates similar to a " pay day loan '' rate. Also, whenever, you request a credit line increase from this company, they place a " hard credit inquiry '' on your credit report. 
I have 37 credit cards. All are at a XXXX balance. I have an XXXX credit score. Every " hard pull '' credit inquiry hurts my credit and stays on my inquiry with the bureaus for 2 years. 
This punishes a customer for asking for a credit line increase. Every other credit card company uses a " soft pull '' for credit line increases or history with the account for the purpose of credit line increases. I do not accept these " hard inquiries '' being placed on my credit file. I have a PERFECT record with Barclays on all 3 accounts with their company. However, I have 6 " hard pulls '' on my credit file for asking for credit line increases which have always been approved. But, I don't want or accept the " hard pulls ''. 
This action must stop. It hurts the consumer 's credit rating by doing a hard pull and stays on their file for 2 years. I've contacted Barclay but they state this is their SOP and it will remain this way ... .PERIOD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021, with follow ups disputes on XX/XX/2021, XX/XX/2021, XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a money order for {$50.00} to XXXX Medical Center. I spoke to a representative by phone informing the money order number because they sent another statement that did not reflect the change in balance. They then sent it to collections when I sent a letter advising that I have already sent a money order and it was cashed and they are not reflecting the change in balance due. It states that I owe {$80.00} still. I did not file a police report yet but I am going to. The Money order was cashed Janurary XXXX 2016 it had my patient ref # and the business name listed on it. I 'm only disputing the {$50.00} I know I owe them {$30.00}. After XXXX and having my car flooded Im still playing catch up for expected and unexpected bills. I cant afford to pay something I 've already paid when I can be paying something I actually do owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened an account with PayPal on XXXX. PayPal issue me a direct deposit option to receive money into my PayPal account. The account number and routine number below Routine Number : XXXX Account Number : XXXX {$11000.00} was locked up in my PayPal account since XXXX, I was told to do kyc, which I did prior to the time given, unfortunately they refused to lift the ban on my account, I contacted customer support on phone, I was informed that I had violated PayPal rules with no tangible evidence how I violated the said rules. The support told me according to PayPal terms and conditions that I have to wait 180days then I will be contacted automatically through my mail that my money is available for withdrawal.

I waited 180days, I got an email From PayPal that my money is available for withdrawal Immediately I logged into my account to withdraw my money, the withdrawal was not working, i contacted the support to help I was told their ban is still effective on my account I have to wait another 180days. I told the support I already waited 180days which I received instruction from PayPal that my money was available for withdrawal.Been calling support since XXXX nothing positive is done. I keep seeing my money in my PayPal account without not being able to withdraw my money since XXXX. To survive has not been easy since XXXX I need help to withdraw my money From PayPal.. 
Help me out of this mess. 

Thanks sir/ma XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached two accounts that are currently reporting to my 3 credit bureaus and all three of them are inaccurate, per the FCRA they have to report accurate information. I want them accounts deleted from my 3 credit bureaus. I have highlighted all the inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Chase Mortgage has said that it mailed me a letter according to them XX/XX/2021. I did not receive this letter or any other letter mailed to me. I have asked Chase to remail this letter to my home address. Chase has not remailed the letter. 
Archives Research is said by Chase Mortgage to have completed its research begun in XX/XX/2021 and mailed me their conclusions. I did not receive this mailing or letter. I have asked Chase to remail the letter or mailing to my home address. Chase has not remailed the letter or mailing. 
I want Chase Mortgage to resend all my mail to my correct home address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Contacted my mortgage company by phone and mail to request that my payment remain the at 3 % and not be changed to the 3.75 % as scheduled for XX/XX/2021. my request was that the interest match the current rates that were less than 3 %. 
The current payment was the result of a mortgage modification my payment were lowered. 
I was advised over the phone that the case was closed because I did not return forms. I asked when the forms were sent out because i never received them. Asked if they could be sent again As of XX/XX/2021 there have been no acknowledgement of my request. The never received comment reminded me of my bad experiences with XXXX 's XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: CITIBANK, N.A.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the erroneously reported items/incorrect items that should not be on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation