BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX and XXXX alerted me to a " Attempt of Collection '' by Americollect Inc. No such debt exists. Claims to be collecting on behalf of " XXXX XXXX XXXX XXXX XXXX '' which tells us we have a CREDIT on our accounts. 

Prior to the appearance on our credit reports, we were never contacted by XXXX XXXX XXXX XXXX XXXX or Americollect Inc., and following this appearance on our reports, when we contact both XXXX XXXX XXXX XXXX XXXX or Americollect Inc., neither can offer an explanation as to why their names are on our credit reports, and Ameicollect has not replied in any fashion to our requests for explanation nor expulsion from our records. 

Proof of CREDIT from statement PREDATING filing with credit bureaus is attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-11-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-05-25
Company: Continental Collection Agency, Ltd.
State: CO
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:
I have a collection on my credit report that is the result of a forged lease in my name. I went to court to have it resolved and i have the documentation saying that the courts even declared that it was not owed by me due to forgery. The collection is still on my report and the company continues to attempt to collect even though i have the documentation showing that it isn't owed. Please help me resolve this matter and get this collection removed from my report as it is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I made a payment with my debit credit card to Capital One for amount of {$940.00} per my statement for my son, XXXX XXXX car payment. A few days later I did not recognize the payment on my online XXXX account and called the bank and stopped payment on it, so it came back into my account on XX/XX/XXXX. I then remembered what the payment was for and called the bank again to ask if I should make the payment again or what they could do. They said they would take care of it and that there was nothing more that I needed to do at this time. So, it came back out of my account per my statement on XX/XX/XXXX. ( So, at this point it has gone out, come back in, and then out again per my statement ). Capital One has been calling us looking for their money and when they call, we contact the XXXXXXXX XXXX and I keep getting told that they will receive their monies. It went out on XX/XX/XXXX and it takes a bit to receive the monies since it was stopped and has not again been sent back out. Many many months of this back and forth and being transferred to numerous peeps and 2 trips into the bank, have been told there is nothing XXXX can do at this time. Capital One has received their monies and nothing they can do. What I do not understand, is how or why? It is out of my account and I am out of {$940.00}. I have been on the phone with Capital One again numerous times and for many hours as well, and they say once the monies has been denied like it is and was, proof will be attached, that they did not receive the monies, because there is no authorization code and they have not received it either. So, my monies is in lalala land and I am out {$940.00} XXXX. They show that they received the XXXX payment of {$940.00} and then the returned {$940.00}, but nothing on the actual third payment of {$940.00}, which I was told by XXXX that they received on XX/XX/XXXX, which they have not received it. All I want and need to know, is where my monies is and why it is not back in my account where it belongs or why Capital One has not received it. ( Have paid the car off now in total as of XX/XX/XXXX, which included the {$940.00} payment in full again, since they did not receive the payment in XXXX and was charged all the late fees as well. I have done everything that everyone has asked of me and yet neither one ( XXXX nor Capital One ) will speak to one another to figure this out or talk the verbiage that everyone is using to get this issue resolved. I am tired of fighting over this and need a resolution as soon as possible please and thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: SYNCHRONY FINANCIAL
State: TN
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:
XXXX credit cards of mine were all closed on XX/XX/2022. I never paid late, I have a XXXX credit score and never went over my limits. When I called asking about them spoke to a XXXX whom would not give me a clear reason as to why all XXXX of my credit cards were closed. She advised she couldn't give that information to the public. I'm not the public these are my cards.

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 2023-10-30
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against World Acceptance Corporation, located at XXXX XXXX XXXX, XXXX, SC XXXX, for their failure to properly investigate a direct dispute I submitted regarding my credit report, as required by 1022.43 of the regulations set forth by the CFPB. 

Account Information : Account Number : XXXX ( I do not have access to the non-redacted account number ) Last four digits of Social Security Number : XXXX Nature of the Complaint : I submitted a direct dispute to World Acceptance Corporation on XX/XX/2023 and XX/XX/2023 to request Validation of the alleged debt and to correct specific inaccuracies on my credit report. Despite providing all the necessary information and documentation as outlined in 1022.43 ( d ), my dispute was deemed " frivolous or irrelevant '' without adequate justification. 

Supporting Documentation : I have attached copies of the following documents to substantiate my complaint : 1. ) The original dispute letter sent to World Acceptance Corporation 2. ) Their response letter deeming my dispute as " frivolous or irrelevant '' I would like the CFPB to investigate this matter and take appropriate action against World Acceptance Corporation for their failure to comply with the regulations. I also request that I be informed of the actions taken in response to this complaint. 

Thank you for your attention to this serious matter. I look forward to your prompt response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2020-03-27
Company: Midwest Recovery Systems
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, XX/XX/2020, I received an email notification via XXXX XXXX indicating a collection had been added to my credit report. The collection amount of {$2900.00} by Midwest Recovery Systems was reported on both my XXXX and XXXX credit reports but not on the report with XXXX. This is not my debt and I have had no correspondence or contact whatsoever with Midwest Recovery Systems. I have filed disputes of this collection with both XXXX and XXXX and am awaiting investigation into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have just beat it a collections account that is inaccurate on my account for months now with no action taken by Experian. They've been sent letter certified mail and other documentation both mailed and uploaded into their system and attached to multiple cfpb complaints. They're investigations are taking 60 to 90 and even 120 days with no solutions or resolutions. While item is being disputed it needs to be removed during that process when a letter is sent. This has not happened by Experian. Disrespectful unhelpful and downright nasty when I call them. Under Fair credit reporting I am within my right to sue them for disputes taking longer than 30 days. 

I have provided them evidence of my identification in multiple ways multiple times including you can see a copy of my driver 's license in one of the attachments that I sent to them VIA mail and uploaded to their system. Letters, calls, evidence and on and on. It is enough. XXXX XXXX XXXX have failed to provide me the validation of debt nor have they provided this to experience. XXXX and XXXX both have followed the law and removed this creditor from my credit reports. Experian is the only one refusing to do so. 

Case law to support- XXXX XXXX XXXX XXXX XXXX XXXX 

This is my last attempt before filing a motion in court to sue under FCR.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries

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 2022-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Capital One Dispute Case : XXXX Case : XXXX Response : On XX/XX/XXXX, due to a glitch in the app I was using ( XXXX ), two hotel reservations were processed that I did not intend to make. The first hotel reservation charge was for {$190.00} for XX/XX/XXXX, and the second reservation charge was for {$390.00} for XX/XX/XXXX. 

I initially attempted to contact XXXX directly to cancel these reservations as I had not authorized them, but unfortunately, they did not have a customer service line. 

I then proceeded to contact both hotels where the reservations were done to attempt to cancel the reservations but was told that they could not do anything about the situation and to contact the third-party app. 

After not being able to cancel the pending charges, I contacted Capital One on XX/XX/XXXX to block these transactions as I never gave authorization and/or permission for the reservations. Capital One stated that I should let the transactions be processed instead of blocking them and that I could call again after and submit a dispute. The disputed transactions were processed on XX/XX/XXXX. On XX/XX/XXXX I submitted a dispute with Capital One and was given provisional credit for the total of the 2 transactions ( {$590.00} ). 

On XX/XX/XXXX, I received a letter stating that the provisional credit had been reversed stating that the merchant had sent documents showing their cancellation policy and I was asked to show proof of my attempts to cancel these reservations., I immediately contacted Capital One via phone and explained that I had no evidence of my attempts to cancel the reservations based on the facts as stated above. The customer service rep. did acknowledge that their records did show that I called on the XXXX and corroborated that I was told to let the transactions be processed and then submit a dispute. I submitted my statement as evidence but was told it was not enough and Capital One closed my dispute and told me to resolve the issue with the merchant. Capital One should have blocked these transactions in the first place as I called before the reservation dates and they ended up both being no shows.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-07-21
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a credit card with Sam 's Club through Synchrony Bank I filled out the application, was given a {$2500.00} card approval and was told they would be in touch. 
A week later I get a letter in the mail saying they need additional information to verify my identity. 
As per the letter I call them, They ask me for my last 4 they ask for my birthday and on and on. 
Then they tell me I need to take a video of my face and need to photo my Drivers Lic front and back. 
It accepts front of the lic but after half a dozen tries it will not accept the back saying it can't read the bar code. The bar code on an XXXX  lic is very small. 
I tell the woman on the phone It is not working. She can not help me. 
If I have a XXXX XXXX  membership they have all that information. 
I have already had a card from Synchrony from Amazon. 
They sent the letter to my house! This is confirmation of who I am when I call and use the code on the letter. 
I am very upset. I have about a dozen credit cards and have had no problems except with synchrony bank. There is something very flawed with their verification system. 
I am being deprived of a credit card which I need to improve my credit and synchrony says they can not verify me. That is utterly ridiculous. They have access to all three of my credit companies. XXXX, XXXX and XXXX. 
They used one or more for my application. 
I confirmed the information they requested when I called them. 
They are wrongfully denying me a credit card which they have already approved.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2021-08-27
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: Account status incorrect

Complaint:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation