BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-31
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report is showing an account for XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX account to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX 's deletion reques off my credit report, the account is still howing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX to confirm the information on the letter attached is accurate and still nothing. 

Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX XXXX who is the collections manager with XXXX. XXXX with XXXX provided me with the letter attached approving the XXXX account to be deleted off my 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 2018-03-31
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report is showing an account for XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX account to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX 's deletion reques off my credit report, the account is still howing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX to confirm the information on the letter attached is accurate and still nothing. 

Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX XXXX who is the collections manager with XXXX. XXXX with XXXX provided me with the letter attached approving the XXXX account to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX  and TransUnion consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

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 2018-03-31
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX contacted me on XX/XX/XXXX about old credit card debt from XX/XX/XXXX. They told me they were filing a civil suit against me if I didnt pay immediately. I was told I would receive debt settlement papers in the mail with the details of what I finally agreed to after feeling like I had no other choice. I paid them {$1000.00} to get them off my back. I never received any paperwork in the mail. So I filed a dispute with my bank and a complaint with the FTC. Please do not allow this company to take any more money from anyone else. Please do not allow this company to keep my {$1000.00} that I was pressured into paying them. When you call the contact number on their website, its disconnected. Their website doesnt even look legit. Please put a stop to these people.

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 2018-07-12
Company: CHECK INTO CASH INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX XX/XX/XXXX Check into cash XXXX XXXX tn XXXX granted me a loan which is paid off now .i was told that it would be a soft hit on my credit report i dont know why they hit it again in XX/XX/XXXX since they already hit it in XX/XX/XXXX ... Anyway i check my credit report last nite and it said check into cash CHECK INTO C XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX hit my credit report twice and hard it lowered my score badly - the person working at the time explained everything to me and said it was a very soft hit and to sign here i did. .I call the address above today it is the corp office and told her i disagreed with what they did all she was going to do is send me a copy of what i signed she ask me the name of the person that told me that but the people that worked there no longer works there any longer - My husband was standing beside me when i ask and when she told me it was a soft hit to my credit anyway she said that she would not remove it - i do not think it is fair and i told her that i was going to warn others i already told my husband he needs to check his report and stop going in there. personally i figure the reason they are hitting peoples credit report so hard is so they can ruin peoples credit and they will keep coming back in there and getting loans. 
Is there any way you can get it removed from our credit report? Please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract with ProCollect Inc. Would you please provide me with a contract that I have with your company with the alleged debt you purchased and how much it is for? I have already filed a company with the Better Business Bureau & with the Texas State Attorney General. I would also like to know if your company can legally collect debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report is showing an account for XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX account to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX 's deletion reques off my credit report, the account is still howing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX to confirm the information on the letter attached is accurate and still nothing. 

Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX XXXX who is the collections manager with XXXX. XXXX with XXXX provided me with the letter attached approving the XXXX account to be deleted off my 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 explanation
Consumer complaint received 2018-03-31
Company: Experian Information Solutions 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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for Experian credit monitoring in XX/XX/2015 I have no complaints over the information I have received. However, I now want to cancel my credit monitoring subscription which costs {$25.00} a month. 

There is no way to cancel a subscription online, and when I have called the phone number they give to cancel ( XXXX ) the wait times are extremely long. I have called 5 times now in the past month. The first time I was told the wait time was 45 mins. The next 4 times I called, I was told the wait time was more than 2 hours!! I have called at several different times throughout the day to try to find a shorter wait time, but with no success. 

It seems very clear to me that Experian are intentionally understaffing their cancelation call center to reduce the number of people that are able to cancel membership.

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 monetary relief
Consumer complaint received 2018-03-31
Company: Experian Information Solutions Inc.
State: FL
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:
A 3rd party collection agency, XXXX XXXX XXXX ( XXXX XXXX PA ) reported an unpaid medical debt in the amount of {$1600.00} on behalf of XXXX XXXX XXXX in XXXX AZ to my credit reports. I asked both the hospital and the collector for proof of the debt. They stated I would need to pay them and then it will be provided and given the chance to dispute it. The bill is in the name of a family member who is a ward of the state of arizona and under their legal and financial responsibility. However the collector still says its my problem and liable for the debt as family. I provided both parties of the legal paperwork and who to contact to get the bill paid by the foster care system in Arizona which they have refused to follow up on. I disputed the bill with all 3 credit bureaus who in turn said proof the bill was legitimate was furnished and I could not get a copy. I do not see why another persons bill, in another name can be forced onto me.

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 2020-07-15
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company ( Plus Four ) shows up as a collection item on credit report. The balance is {$290.00} and I am being notified the balance keeps increasing. I dont know exactly what medical bill this is for/what services the debt is for. I was not doing well financially at all during the time this collection posted to my credit report. I submitted several disputes prior, yet the debt keeps posting and I have not received any information what this debt is actually for. I desperately need this off of my credit report it is ruining my life.

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 2017-09-18
Company: Waypoint Resource Group, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has reported me as a collection for equipment I turned in when I moved. They are also had been billing me for products and services they had never ordered. I did not receive an informed consent prior to charging me for any new services or equipment. XXXX has been sending my account to collections during the charge-dispute process. I receive calls from their customer service as late as XXXX XXXX and at least every other day. I had to block out each number they call from. I was told by the customer service agent that I owed for equipment I turned in, so I went to the same office I turned it at. Well, the customer service person told me I did not owe for equipment, but it was my last bill of XXXX? I do not recall my bill ever being that high. It is usually {$150.00} which I had paid prior to ending my service due to new location and they did not have service in that area.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A 3rd party collection agency, XXXX XXXX XXXX ( XXXX XXXX PA ) reported an unpaid medical debt in the amount of {$1600.00} on behalf of XXXX XXXX XXXX in XXXX AZ to my credit reports. I asked both the hospital and the collector for proof of the debt. They stated I would need to pay them and then it will be provided and given the chance to dispute it. The bill is in the name of a family member who is a ward of the state of arizona and under their legal and financial responsibility. However the collector still says its my problem and liable for the debt as family. I provided both parties of the legal paperwork and who to contact to get the bill paid by the foster care system in Arizona which they have refused to follow up on. I disputed the bill with all 3 credit bureaus who in turn said proof the bill was legitimate was furnished and I could not get a copy. I do not see why another persons bill, in another name can be forced onto me.

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 2018-03-31
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account reporting on my credit report with your credit bureau as of XX/XX/2018. This account from XXXX XXXX was reported incorrectly to the credit bureau, due to this account was paid in full on XX/XX/2018. I paid XXXX XXXX {$700.00} by debit card thru the web site www.entergy.com regarding my account number : XXXX. 

When I received the alert that XXXX XXXX was reporting on my credit report as collection, I called XXXX immediately and spoke to collections district manager XXXX XXXX at XXXX to inform her of the incorrect reporting that is being report on my credit report from XXXX XXXX. XXXX XXXX informed me no problem we can get this fixed and deleted off your report. XXXX informed me she would send a letter stating the account was paid in full on XX/XX/2018 and the account has been approved to be deleted off my credit report due to incorrect reporting. 

**PLEASE SEE LETTER FROM XXXX XXXX ENCLOSED **

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 2018-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
capital one closed my account with no phone call, no letter, and no email notice. I go to make my online payments and it says restricted. I call in and its states closed. The rep said due to an NSF history on 1 card they closed all 3 accounts. I have had these cards for years and was not aware of this policy. And they didnt attempt to call to advise me. I got no warning in the mail. I didnt even know they were closed until I call on XX/XX/18, The day before XXXX. I dont think its right that they dont give you a warning or notice that this could occur. This has messed up my credit attempting to get a house and I was getting a bonus check to pay all XXXX cards off on XX/XX/2018. We were just advised that on XXXX XXXX. I believe these practices are unfair as you get a notice about everything else, but this. This is something crucial and affects peoples credit and life. Now my credit is ruin.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
State: NY
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 because I do not recognize the account on my credit report.I believe that I may be a victim of identity theft. I do not recognize theis account and have never incurred debt with these creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented a car with XXXX from XXXX for XXXX. There were no issues with returning the vehicle. On XX/XX/XXXX XXXX charged my card XXXX. I called to see what the issue was and spoke with XXXX XXXX. She couldn't find the reason for the charge and she stated she would investigate it. I never heard anything back from XXXX until XX/XX/XXXX. I explained my grievance as to why my card was charged for almost double the rental and again, I did not hear back from her. By that time, it was too late to dispute with my credit card company and I just paid my credit card bill. On XX/XX/XXXX, XXXX placed a collection on my credit report. I never received any documentation from the debt collector, no email or mail. I tried reaching out to them and I was told that I just had to pay. I explained I overpaid without explanation. The location where the car was rented has been closed so I could not go inside to get any documentation or speak with a representative. I overpay for the rental and returned it on time without any damage and on a full tank of gas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by portfolio recovery company and they are trying to collect a debt. I had written them back to provide validation of this said debt. They then responded again with the same prefilled forms that they sent me the first time. They are asking me to validate by give them all sorts of information. No when a consumer writes in and asks for validation of a said debt, the company who is trying to collect is suppose to provide this information. This company is not providing anything. It is not my job to validated a debt that they are trying to collect on. Under law it is their job to validate, not verify, the said debt. The are reporting on all 3 of my credit bureau and have never validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 pulled my credit report and realized that I had an unauthrozed inquiry on my credit report, I sent a letter out to capital one, XXXX  AND XXXX XX/XX/XXXX to verify that inquiry and I have NOT received a response from the company. I then reached out to them ( CAPITAL ONE via phone XX/XX/XXXX and spoke with a representative and explained to him my issue and he informed me that this is a known issue that they have been having. If I provided documentation about the inquiry dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXXXXXX HOW IS THIS POSSIBLE IN THE SAME MONTH? FRAUD INQUIRES and then I reach out and was told they have been having this issue. why have they not remove the inquiry. if documentation was sent. I need this removed and the fact that it has been an issue with many customers it's scary! how is my information getting compromised. I need answers and I need the inquiry removed!

Company response to consumer: Closed with explanation