BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-22
Company: COOPER HEALTH SYSTEM
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
C & H Collection Services Inc. located at : XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX I am a U.S. XXXX XXXX service member who was injured and seen at " XXXX University XXXX '' after the facility received full payment by a federal HMO they continued to file debt collection against me with C & H Collection after no less than six calls on my part promising resolution of the matter over the past 8 months. On XX/XX/XXXX C & H filed a {$960.00} collection fee against me which is simply extortion, I will be filing my complaint with law enforcement for hopeful resolution of this matter. Frankly, I am disappointed in the BBBs A+ rating for this firm which merely indicates they paid the advertisement fee for a better rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Around the end of XXXX, TDBank placed a debit block on my checking account, preventing me from accessing my money. This resulted in at least one failed-payment fee at another institution, which was frustrating. I called TDBank, and they said they were " demarketing '' me, and they would close my account and send me a check for the {$2100.00} I had in there.

Fine. I opened and closed a lot of accounts with them, and if they don't want my business, that's their right. But this is a checking account! A XXXX account at an FDIC-insured bank! It has been a month and a half, and my account is still frozen and I can't get my money. No check has been sent to me. It's not like I'm waiting for a check to clear or there's some fraud issue ; I should have access to my own money. 

I've talked to the people at my local branch, and they want to help me, but there's a corporate office somewhere that's understaffed and not acting on this. The branch gave me a phone number for their " demarketing '' department, and that just goes to a voicemail that nobody returns. I WANT MY MONEY BACK!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: NJ
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:
I have no idea or have details on these hard inquiries. They are not mine. They are fraudulent. I can not provide unknown information. I have tried to despite with all three credit bureaus and was told they will be removed yet they are all appearing on my credit report. I never gave consent to open these accounts. These were opened without my knowledge and without my consent. I sent out letters to all credit bureaus and deputes. I was told it will get fixed and it has not been fixed. I reported these accounts and nothing is being done. I have called and followed up and I am always told the same information yet nothing gets done. The hard inquiries remain in the credit report.

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 2017-07-22
Company: Stellar Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Stellar Recovery, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX appeared on my credit report XXXX XXXX collecting for XXXX XXXX. I have never received any information from Stellar Revovery regarding this said debt. I tried to call the phone number listed on my credit report, and the number does not work XXXX. I paid XXXX through another company, almost three years ago. I do not owe XXXX. This is unfair that a company from no where can put information on someone 's credit report and not provide any documentation of the debt or a letter to inform the consumer that they are working on behalf of said company. I paid XXXX off. This is why they were not on my credit report initially. I had cox over 6 or 7 years ago. I do not owe XXXX. This company did not provide a letter or documentation of this so called debt. How did they end up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Experian Information Solutions Inc.
State: UT
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:
ATTACH IS THE PROOF OF THE FRAUDULENT ACCOUNTS ON MY REPORT THAT NEED TO BE REMOVED. 


These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX  and Experian. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 2018-02-14
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX XXXX XXXX, still has a loan on my credit report that was paid off by my insurance carrier XXXX. Ally is showing that i still owe XXXX on the car and have hit my credit with late payments. I had gap insurance to cover any overage after XXXX paid off the car.

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 2021-06-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Comenity XXXX  XXXX XXXX to XXXX XXXX Credit Card. never published the ending date of my promotional period. Called and emailed them on several occasions and was never given an answer. Received my bill this month with interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased/closed on a newly built home in XX/XX/XXXX. Our monthly payment was {$2200.00} on XX/XX/XXXX. Cornerstone Home Lending notified me in XX/XX/XXXX of a second county they disbursed taxes to ( that they were surprised by ) and that my escrow was now deficient by {$3600.00} and my monthly payment would go up to {$2800.00}. I immediately paid the second county tax in the amount of {$3600.00} on XX/XX/XXXX ( towards escrow - to catch up ). Then Cornerstone notified me in XX/XX/XXXX that my escrow was still deficient by {$1800.00}. I asked what the basis for the {$1800.00} and was told it was taxes. What - why wasn't this brought up previously? I was also told that my XX/XX/XXXX payment was now to be {$3100.00}. Several questions come to mind. How can a mortgage company whose job it is to know how best to estimate escrow not even know that my property involves two counties to pay tax to? How can a mortgage company not have payment and escrow history available to the phone rep for XX/XX/XXXXwhen I call in to understand how my monthly payment can increase by {$810.00} over about 12 months? How can I close on a home in XX/XX/XXXX without taxes having been paid to both counties and that be the responsibility of the mortgage company to factor in when establishing my escrow for XX/XX/XXXX? How can the mortgage company not explain why in XX/XX/XXXX the total tax shortage was {$3600.00} and then 15 days later say it's an additional {$1800.00} that I owe escrow? How can I be presented at closing with a mortgage payment of {$2200.00} and then within about 19 months be paying {$810.00} more a month? I am not challenging the tax amount. I questioning how the mortgage company can present a monthly payment that is so off the mark from the end of XX/XX/XXXX to the beginning of XX/XX/XXXX. It's not that the taxes increased it's that the mortgage company didn't even account for all the taxes to begin with! So frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: NY
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:
Hello I am having an issue with Equifax XXXX and XXXX. Please note that I have three accounts reporting as negative on my credit report one XXXX XXXXXXXX is reporting as an installment and it is not an installment account please remove this from my credit report immediately. The next two which is XXXX and XXXX XXXX is in clear violation of 15usc 1681e-d. Time and time again I have sent numerous letters and these accounts will blatantly ignore me. The first time they did not notate the account I have been sending letters since XXXX of 2021 they just notated the account about a month ago which is a clear violation of the Fair Credit reporting Act. I ask that these two accounts be removed from my credit report immediately. I will also be filing a complaint with the FTC because this is being ignored with numerous attempts to resolve. The companies have also failed to provide the authorized agreements creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX or XXXX XXXX. That means I have no contractual agreement to pay then an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Experian Information Solutions 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:
I noticed a collection and a few hard inquiries on my credit report I do not recognize

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 2021-10-04
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTGATION RESULTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Self Financial Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I never had a self account I disputed it also spoke to people N the matter still there its holding me up from getting apartment cause so much bad reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This about Paypal, i was sent a email that XX/XX/2022 from them that i can no longer do business with Paypal because of a violation of paypal acceptable use policy. I called them immediately and the person on the phone could not tell me why but i can not use the service. I told them you should be able to tell me and at this point i had no idea what happen. Then i get a 2nd email on XXXX XXXX that the services are limited temporary so i called again and really could not get any where. On XX/XX/XXXX i get a email of a open case because of a delay in my response to a buyer. Finally, they started saying i have a businss and selling stuff. I told them I have never owned a businsess and do not sell anything on paypal. Somebody was requesting a {$6.00} refund for something i have no idea what it was for. I told paypal that is fruad, but they do not listen or pay attention. They started sending me emails to restore my account so they wanted me to give them a temp username and password for my business and remove paypal from the site. I do not have a temp user name or password to give, cause i dont have a business. i am frustrued and angry that NO one will listen to me. I told them if some one is requesting money from me or a service prroduct that is FRAUD. So to help this ther operson that is doing FRAUD they refurnd their {$6.00}. I did tell Paypay that on XXXX XXXX that i purchsed a movie service with XXXX and I used my payplay account to pay, I inadversly submitted the payment twice because I thougth it did not go thru. That money has been refunded to my paypal balance but they will not let me get it. I asked could this be maybe the reason by account is limited but they NEVER could help at all. I keep getting a email to restore account and I keep giving the same info and nothing ever happens. I need my paypal account restored and my refund to, There are several XXXX transactions that i have no idea what that is far. No one knows anything, I did speak to a person about 2 weeks ago that was all eager to help and i did what they said and nothing happen. {$14.00} refund is for me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions

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 2019-11-22
Company: EQUIFAX, INC.
State: CA
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My wife and I received our US tax refund check, and deposited it into two of our accounts. The receipt for the deposit to my account is for more than was credited to my account, according to my account statement. No correction was made by the time of my next month 's statement, so I went into the bank for an explanation. They have no explanation, and say they are doing research to account for the difference. Meanwhile, they can give no date for the resolution of this problem, only to say that they are doing research and when the research is complete they 'll have an answer for me. I think that having to wait indefinitely is inappropriate but they refuse to give a date by which the problem will be settled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have no idea or have details on these hard inquiries. They are not mine. They are fraudulent. I can not provide unknown information. I have tried to despite with all three credit bureaus and was told they will be removed yet they are all appearing on my credit report. I never gave consent to open these accounts. These were opened without my knowledge and without my consent. I sent out letters to all credit bureaus and deputes. I was told it will get fixed and it has not been fixed. I reported these accounts and nothing is being done. I have called and followed up and I am always told the same information yet nothing gets done. The hard inquiries remain in the credit report.

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 2021-06-30
Company: EQUIFAX, INC.
State: TX
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:
It is inaccurate for XXXX and the 3 credit bureaus ( XXXX XXXX, equifax, and XXXX ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that XXXX and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a charged off account with Victorias Secret. On XX/XX/2021 I paid the debt in a settlement to Victorias Secret debt collector. My Victorias Secret account shows on my credit report as derogatory instead of paid. I have called and written to Victorias Secret. They will not remove it or state bill has been settled and paid. I have tried disputing it with the credit agencies. Ive paid the debt Im asking that they report it as paid not derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: PA
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:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Pursuit to 1B USC I Owe no debt This company is violating my consumer right to privacy pursuant 15 usc 168 1 B 2 company also has no permission to report anything using my personal information pursuant to 15 usc 16814

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 2017-07-22
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Last year I contacted the company about reduced payments due to financial hardship. I had been making my scheduled payments timely but in the month of XXXX of 2017 I had extenuating circumstances that prevented me from being able to make 2 payments. I called Navient and they were unwilling to help. I called again yesterday because I am now able to make the payments. I wanted to discuss with them the options about getting caught up given that I am 2 payments behind but ca n't pay them all at once. My credit report is being significantly affected and I am trying to correct the issue given that my employer could terminate my job due to my credit score dropping. The Navient rep was unwilling to help me- I asked about deferment or forbearance or capitalizing  the past due even if it resulted in a slightly higher payment, and the rep only responded with " sorry there is nothing that can be done '' even when I mentioned I could lose my job all together. At this point I feel like I have no options- I am trying to get caught up but the company is unwilling to help. This repayment is for a loan that was initially taken out with XXXX XXXX- they transferred to Navient- I had tried to work with XXXX XXXX as well because interest was capitalizing at a rate of 9.75 % and by the time I finished school the debt balance had doubled- then when it was transferred to Navient I had to start again with getting the loan looked at. Had I clearly understood what this loan was going to turn into I would have sought alternative solutions for paying for school. I appreciate any help in ensuring that the company is willing to work with someone who wants to repay the debt but needs a bit more flexibility. Thank you!

Company response to consumer: Closed with explanation