BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: GA
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 a charge off account from XXXX XXXX on XX/XX/XXXX that has been reporting inaccurately. At the time of the charge off reporting I was going through the settlement process for my vehicle being defective. I was no longer in possession of the vehicle, however the dealership sold it to another consumer without noting the defects and then close my account out as a early lease termination. I was advised by XXXX settlement team to leave the vehicle at thus local dealership in XXXX XXXX California in XX/XX/XXXX. In XX/XX/XXXX I was reimbursed by XXXX XXXX & the FCA as the vehicle was a lemon. They did not process the buyback correctly and instead wrote it off as a charge off on my credit report. I have given everybody copies of the release agreement as well as copies of the settlement check. However, three years later it is still reporting on my credit card resulting in me getting disapproved for financing. Additionally I have given this information to XXXX, XXXX XXXX, and Experian who have not taken action Everybody is pointing their fingers at each other and sending me in a three-year loop. There should be no question as I have documentation from my FCA case

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 2017-07-13
Company: Integrity Solution Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
INTEGRITY SOLUTIONS SERVICES is a third party debt collector. They are reporting info on my credit report that I owe them {$1100.00}. I have not ever dealt or even heard of this company. I do not have a contract with INTEGRITY SOLUTIONS SERVICES. I also looked on the  Secretary  Of State website to verify that they are bonded with the  SOS  and was not able to locate them.

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 2022-02-11
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an automated phone call on Thursday XX/XX/XXXX from XXXX XXXX about a debt urging me to go to their website to pay the debt. When I visited the website and put in some information it was for a {$4800.00} debt from a payday loan company, Allied Cash Advance. I have never used this company and do not owe them anything. I filed a claim with the Federal Trade Commission at XXXX. Claim number XXXX. 
At XXXX XXXX, there was no way to talk to a real person via phone or chat. I called ( XXXX ) XXXX and was greeted by only an automated voice and not given a chance to talk to a real person, only referred to the website to pay off the debt. I also chatted on their website and they only referenced the website as the place to get information and pay off the debt. I also called the company that initially held the loan, Allied Cash Advance, and started a claim with them through their feedback team. Case number XXXX. 
The calls from XXXX Recovers only intensified and were followed by text messages after I accessed their website. Here is a transcript of a voicemail that they left : " Hi this is XXXX with XXXX  this is not the first time we tried to call in and out certainly won't be the last until we can get something figured out here I am did want to make you aware that the extra 10 % savings applied to your pay off online is temporary so I urge you to lock in the settlement on your account now even if you don't have the funds to settle it you can set up a partial payment plan or you can schedule your settlement for a later date when you are able to pay it as of now the 1099C tax form has been issued on this account so please take care of it before further action is required we do also report to the credit bureau 's all applicable accounts so again I urge you to take a seriously and take advantage of this offer our website address is XXXX I'm legally required to inform you this is in attempt to collect a debt thank you The number was ( XXXX ) XXXX. I received at least 5 calls in less than 18 hours. Some of the calls came from other cities and numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: MA
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:
On  XX/XX/XXXX     I checked my credit report and noticed an address addition and a charge off debt which are not mine! I put a fraud alert to all credit reports. I contacted the company that sent the charged off debt  XXXX   XXXX , they stated that they sent the information to Equifax but it was for a different  XXXX   XXXX  and Equifax put the information of that person on my report it was supposed to go to a different  XXXX   XXXX  who also lives in  XXXX . I contacted Equifax over  20  times yesterday trying to solve this issue I even did a dispute on line. I do n't feel I should have to wait 30 days to get this resolved since it was Equifax, employee incompetence. They left me on hold and never came back to help me with my issue and now I have to send them information to prove its not me when they should do the research. The consumer that the information should go on is  XXXX   (  with  one  L )  XXXX  who lives at  XXXX   XXXX   XXXX   XXXX   ,   XXXX  MA  XXXX  they need to  contact   XXXX  XX/XX/XXXX  and  XXXX   XXXX  and verify also check social security numbers  two  different people. Remove from my Credit Report I will file a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
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: Account information incorrect

Complaint:
I would like the remarks that are showing on   XXXX   XXXX   and   XXXX   to be removed. Bothe accounts have remarks that read : " Account information is disputed by consumer ''. I am NOT disputing these items and since I have not received any FCRA verified information as they state I want the remarks cleared please. I do not want remarks showing this because no proper investigation was done and  XXXX   XXXX  and   XXXX   XXXX   have assured me that they would send Equifax and   XXXX   alerts to remove the remarks because no investigation was done by the companies in a timely matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I 'm unable to get up to date information on transactions from either the automated or phone teller on my checking account. This has resulted in my having to pay returned check fees because XXXX XXXX XXXX ca n't provide me with the information on checks cashed or processed electronically more than 25 days after the transaction via the automated system or banking tellers. The automated bank phone system is extremely disorganized I go through the entire prompt system still am unable to find out when the sent my payments or transactions were process till more than a month later. When I call in XX/XX/XXXX and XX/XX/XXXX to address this matter I was not given a straight answer on my account and why there system is not up to date. The XXXX XXXX teller just blamed four different merchants I sent payment to for them not being able to provide me with the most current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Webcollex, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I spoke with the collection agency CKS financial. We had agreed that if I paid the account in full, the account would be deleted from all 3 of the credit agencies. I have attached a recording of myself and a representative/manager for CKS financial agreeing to submit the removal of the account. I am 35 days from closing my home and this is really hindering my ability to move forward. The only reason I agreed to pay it all in full was because they agreed to have it removed. As a pay per deletion agreement. It's pointless to have the account just reporting as Paid in full and still remains in my credit file. Please listen to the recorded file I have attached where manager agrees to remove the account. 
I have also Attached a receipt where the account was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Midwest Recovery Systems
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive an credit alert from XXXX XXXX by email on XX/XX/XXXX noting that there is a new collection account on my credit report. I noticed that a debt buyer collection company added it my credit report stating that I owe a payday loan company by the name of XXXX XXXX XXXX. I do n't owe them anything. I paid off all my debtors that I knew about but one company, XXXX XXXX XXXX that is still on my credit report. I do acknowledge owing them. This collection account, however, was not on there. It was just added on XX/XX/XXXX. I 've been checking my credit report regularly throughout XX/XX/XXXX ; even disputing items and getting them removed. Midwest Recovery Systems is no stranger! One of their debt items was removed from my report. They bought out one of my accounts and it was paid as agreed. Then a month later, they added another collection to my account for the same debt that was paid. I contacted the credit bureau and they removed it and ordered Midwest to send me a letter noting that they removed it from their account too. In other words, they tried to get me to pay off the same debt twice! If I was n't checking my credit report, I would have had an extra collection account on it which would have affected my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are XXXX ( XXXX ) recent inquiries ( 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 ; that were not authorized by me or permissible in accordance with the Fair Credit Reporting Act, Section 604. Despite my attempts to resolve this matter via telephone, I was unable to get assistance.

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 2017-07-13
Company: COOLEY ENTERPRISES INC
State: TX
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:
Clay Cooley aka XXXX XXXX has not reported my on time payments to the credit bureau 's. Clay Cooley is a 2nd chance financing credit rebuild vehicle loan program and state they report payments and to date this has not been reported during my 1 1/2 years loan with them I 've even sent letters to all 3 credit bureau 's requesting that this be done as of the beginning of this year/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello. This is in regards to Caine & Weiner. As a debt collecting agency, they are attempting to collect a debt for a debt that was included in a bankruptcy. I have called, written multiple letters, and even provided them with a copy of my Chapter XXXX discharge paperwork. 

I have requested a copy of proof of debt and/or a reaffirmation letter which would have excluded this debt from my bankruptcy. All of my requests have been ignored. 

I have also disputed this item in writing with all three credit bureaus and the outcome is always the same. Account included in debt or updated. 

This is inaccurate. I do not have a debt with Caine & Weiner, therefore the credit bureaus should not be allowing this account to update. My debt was with progressive insurance and because it was discharged via Chapter XXXX, Caine & Weiner should never have received this debt. 

Caine & Weiner, XXXX, XXXX, and XXXX ALL have failed to provide with documentation validating this debt. The ONLY validation would be a reaffirmation agreement between myself and XXXX, approved by the bankruptcy court. Again, they have all failed to comply and have completely disregarded my requests. This seems as a direct violation of not only 11 U.S. Code 524, but of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Law Offices of Crystal Moroney, P.C.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call in XX/XX/2019 from someone stating they were from the Law Offices of Crystal Moroney, attempting to collect a debt for returned checks in the amount of {$400.00} ( plus {$30.00} fee x 2 returned checks ), for {$460.00} total that were originally from XXXX XXXX XXXX. I requested that proof of this debt be sent to me, so that I can validate, and pay if needed. I was told they can email me proof. I never received an email. Also, the phone number listed on their website to contact them, there is never an answer. On XX/XX/19, I received another call from this " law office '' following up on the debt. I responded that I have not been sent any proof of this debt yet. They insisted that they emailed it on XX/XX/XXXX, and I continued to state that I never received it. I asked what address do they have on file for me. They had an incorrect address, and I proceeded to give them my correct address. I asked if the woman on the phone, representing herself as a lawyer, named Crystal Moroney, could please verify the amount I owe, and provide me with a file number so that I could attempt to pay online to stop this continued pursuit. She stated that the amount owed is {$790.00}. I stated that this is not the amount of the debt owed, and what makes this up? She stated that there are additional " fees '' added on being that it is 90 days past due and they need to make the original creditor whole. I stated that the original debt has been listed as " charged off '' on my credit report, so there is no making this original creditor whole. Clearly they have purchased this debt in an attempt to collect. She stated they do not buy debt, but act as lawyers on behalf of companies to collect debt. I again asked for proof of the {$790.00} debt to be sent to me, and I was met with severe pushback, and was told to check my email because it was previously sent in XX/XX/XXXX. I will not pay this company without proof of the debt, and also, based on their reviews online, as well as court cases I see against them, I do not feel safe paying them.

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 2018-01-02
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The student loan is with Navient. 18 months ago- in XXXX XXXX  2015 I called Navient as they pushed my payment to over {$700.00} a month which I did not have. I asked them to lower my payment as I could pay them {$500.00} a month. They refused and told me my only option is to go in forbearance until I can make the full payment. They were unwilling to help me even if I offered them money and they did not explain any alternative options to me. They only gave me one choice which was forbearance at a very high percentage interest. This is impossible to ever pay debt if they just charge interest and there is no affordable way to pay it off. After all my expenses in my household I dont even have {$700.00} in cash flow to afford to pay the loan and I dont even have a car or credit card payment. The income driven plan is overpriced and not affordable- seems like it is meant to make customers go in forabaramce so they can collect interest. They dont give consumers any other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX is reporting lates on my mortgage that are erroneous. I paid this off in XX/XX/2018 and it is no longer reporting a balance, yet it still continued to add lates and report them to my credit. I need this removed as it is effecting my credit and the lates are erroneous and in violation.

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 2019-10-16
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: Account information incorrect

Complaint:
XXXX is reporting lates on my mortgage that are erroneous. I paid this off in XX/XX/2018 and it is no longer reporting a balance, yet it still continued to add lates and report them to my credit. I need this removed as it is effecting my credit and the lates are erroneous and in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
hi, little over a year a go my ss # was used without my knowledge work with the irs and several creditors to get this matter cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: EQUIFAX, INC.
State: NY
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:
On XXXX XXXX, 2017 I sent a certified validation letter, with signature requested, to XXXX XXXX XXXX, XXXX to verify an alleged debt they claim I owe them, in the amount of XXXX. I have no contract with this company. They sent a letter back, dated XXXX XXXX, 2017, without the requested validation of alleged debt and retaliated against me by reporting a collections to the credit bureaus within the past week and made XXXX inquiries on my report without my consent. On the bottom of this letter it clearly states in bold letters, " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT ''. They are damaging my credit report causing it to drop while I 'm working to correct it and deforming my character. Because of this drop, I am unable to get a mortgage or rent an apartment without good credit and my family deserves a home, otherwise we 'll be homeless soon. I 'm requesting this unproven & alleged debt to be removed from my credit reports and all attempts to collect this amount and communication to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: BARCLAYS BANK DELAWARE
State: IL
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:
In XXXX I applied the Choice Prvileges card ( VISA ) and received it. Within a week of the application I have seen the offer by the same issuer Barclays bank that upped the point limit to XXXX points from XXXX. I called Barclays Card application line and requested the offer to be transferred into the higher point category. I was told they don't have the capability of doing that but after I receive my first statement and I am a member in good standing ( i.e.pay the bills ) I will be able to be get the additional XXXX points credited to my account. I was also instructed to speak to the manager to achieve that.

About ten days ago I called and after a long hold I was told that no manager will speak to me about this as " all managers are very busy. '' I then requested for a call back from the manager which I was told will happen within 48 hours. It didn't. I also reached out to the media relations person from Barclays who assured me the issue will be referred to the appropriate dept for resolution and as of today I received absolutely no response.

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