BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-13
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was a current customer at XXXX  and they sent an amount due to collections without notifying me of the debt while i was still a paid customer. As a result of the mistake I went to another phone company. They could not fix the mistake they made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: ACIMA CREDIT, LLC
State: VA
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:
XXXX XXXX shows a {$6100.00} account with Acima Credit in Utah on my report that I have no knowledge, never authorized, and did not open or obtain. I noticed this in XXXX, XXXX, after the account was opened on XX/XX/XXXX. 

Opening this account reduced my XXXX XXXX score by about 60 points. 

I have filed complaints directly with XXXX and Acima and neither seems willing to correct this. Acima has been slow dealing with this and give the impression they do not care or believe me with my complaints. 

As they instructed, an Identity Theft / Fraud report has been filed with the XXXX XXXX Virginia Sheriffs Dept regarding this. XXXX XXXX is the officer handling this matter. Acima has been provided with a copy of that report. It has been redacted in accordance with Virginia Statutes of personal information not relevant to Acima by the Sheriff 's office. Acima does not accept this as sufficient information. 

As of today the false account is 30 days plus overdue and it has caused my credit score to fall by about XXXX points in addition the prior decrease. From what I see on XXXX the first due payment on the account was never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Synovus Bank
State: WA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on 1STPROGRESS/XXXX/ XXXX Balance {$55.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
{$850.00} of interest charged before XXXX year promotion, I opened account in XXXX 2021 but they back dated it to XX/XX/XXXX causing a years worth of interest to be charged before I could pay in one lump sum. The promotion stated one year of interest free payments. I did not open an account with them until XXXX, not XX/XX/XXXX as they claim. My first payment is not even recorded until XX/XX/XXXX of 2021.

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 2021-11-06
Company: Genesis FS Card Services, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Indigo credit card has 2 accounts listed reporting negatively on my reports impacting my scores negatively. Indigo has 1 account listed as closed because the card was lost prior to me ever receiving it in the beginning and after reissuing the card created a second account on my report and is now reporting negatively showing late payments when the card has been paid in full and has not been paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: ENCORE CAPITAL GROUP INC.
State: KS
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:
The account being reported by Midland Funding LLC is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and Midland Credit is attempting to collect a invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: SUNRISE CREDIT SERVICES, INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX called me and repeatedly told me that my credit would be harmed until I pay back debt. I said multiple times and asked multiple times if she was saying that it would be harmed every day until I pay the debt she said, yes your credit is going to go down every day to debt is not paid and your credit is going to get worse until this debt is paid.

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 2022-03-13
Company: Experian Information Solutions 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:
In XXXX I noticed fraudulent accounts on my credit report after receiving a notice that my personal information may have been compromised in a data breach with XXXX. I begin to dispute these items and these items were not removed. In XX/XX/XXXX I filed a police report as well as a FTC report I mailed these copies of the reports along with my social security number, Identification, and proof of address to Experian, XXXX, and XXXX. Each company reported that the creditors verified the accounts. I then wrote a letter in XX/XX/XXXX to each creditor as well as Experian, XXXX and XXXX to provide me with a copy of the original singed documentation. Their response was accounts were verified. Over the course of the past 3 years I have written letters and been told to resend police reports, file disputes over and over. As of XX/XX/XXXX I informed each company of my rights under FCRA section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) to provide me with the original signed documentation. I also informed them of my FCRA rights under section 611 ( a ) ( 7 ) to provide me the method of verification of these accounts. I was told by each company that the accounts were verified and they do not have to provide any documentation. I called all companies in XXXX of XXXX to inform them of the law under FCRA section 616 & 617 of the civil liability and the remedy available to me if they failed to comply with federal laws. These companies has failed to show me any documentation of the accounts being mine. These companies are failing to follow FCRA section 611 ( 5 ) ( A ) that states you are required to promptly delete all information which can not be verified.

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 2021-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital # XXXX The merchant showed a transaction signed by my nephew ( secondary card holder ) I am not doubting this. I paid graduation ceremonies for {$210.00}. This was to be held on XX/XX/2021 but cancelled due to COVID till XX/XX/2021. My nephew 's XXXX  expired on XX/XX/2021 and had to return home to XXXX. Thus, I am asking chargeback for services NOT rendered. 
Breakdon of fee is as follows : Cap and gown rental XXXX XXXX XXXX Cap and gown refundable XXXX Ceremony photographer XXXX Graduation Activity Fees XXXX Gradusation Fees XXXX Total XXXX XXXX {$210.00} ) My concern is why should I pay for ceremonies and cap and gown when cancelled. 
I returned cap and gown and promised refundable part XXXX XXXX XXXX XXXX to my nephews bank account which was closed due to his return to XXXX All charges are related to graduation ceremony and auxiliary activities ( venue, photographer ) After 2 letters to Capital and two tries to request written response from Finance Dept without response, I hope my case is clear to continue with dispute Assumption XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX Fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: The Bureaus, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX Credit Bureau consistently reports the collection as an OPEN ACCOUNT, which is not compliant with the Fair Credit Reporting Act ( FCRA ). It is deemed as inaccurate reporting and needs to be removed from my credit report immediately. The collection has appeared as an OPEN ACCOUNT since XX/XX/XXXX. The last reporting activity on the account is XX/XX/XXXX ; however, XXXX keeps re-aging the credit history when disputed. Re-aging is a severe violation of the FCRA. It makes the account in question look more recent and causes severe damage to my credit score. 

XXXX is reporting the account as an active retail account. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: AMERICAN EXPRESS COMPANY
State: LA
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:
My XXXX ran up charges without my knowledge after we separated. She changed the address on the account and other information so that I wouldnt receive statements. So I had no idea that this card was maxed out and not being paid until it was reported on my credit several months later. 
I filed an ID theft report with the XXXX and submitted it to American Express. I received a letter in the mail stating they would eliminate the fraudulent debt, but it was never removed. 

I dont feel it is fair that I am losing an account that I have held for a number of years with a perfect payment history and have had my credit score completely tanked due to the actions of someone else without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  and XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

LVNV FUNDING LLC XXXX  Balance {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
The account being reported by XXXX XXXX XXXX is not valid. The XXXX XXXX credit card for {$1800.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.

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 2021-06-09
Company: Velocity Portfolio Group
State: TX
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 obtained my credit reports and found this debt on my report. I mailed a certified letter to XXXX XXXX XXXX on XX/XX/2021 and it was received by their office on XX/XX/2021. The USPS tracking number is XXXX XXXX XXXX XXXX XXXX and the company has had ample time to respond to my request ; however, to date, I have not received any validation of this debt or any response whatsoever from the debt collector.

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 2019-04-04
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LJ Ross and Associates called me repeatedly over a several month period beginning around XX/XX/XXXX. They called demanding payment for a utilities bill in an apartment I rented in XX/XX/XXXX. Calls from them included robotic calls attempting to obtain my Social Security Number, and collections agents attempting to collect the debt and warning me vaguely about the consequences ( never specified ) if I failed to pay. After Finally paying the amount, giving them my credit card information on XX/XX/XXXX I became curious and reviewed my utilities payment to the company they claimed to be representing ( XXXX XXXX ). All bills had been paid on time, and the month they claimed to be collecting for never had a delinquent payment. Furthermore, they requested around {$87.00}, when the bill amount was {$140.00}. Further research online revealed multiple instances of the company refusing to settle issues such as this, and putting collections tags on credit reports even after the debt was proven to be non-existent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2022-03-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company named WAKEFIELD & ASSOCIATES showed on my XXXX credit report on XX/XX/22. They claim that XXXX XXXX XXXX XXXX  was the original creditor when I have not heard of them either. The balance they claim I owe is {$1200.00}. 

I have never heard of XXXX XXXX XXXX XXXX nor have done business with them. Aside from this complaint, I have also reported this activity to experian. 

After some research I learned that both companies are the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
The account being reported by XXXX XXXX is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.

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 2022-03-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I feel offended every time people add unpleasant information on my redit report. I feel I am not belong here anymore. I ce from a decent family. Now, what to do to change my image yo the XXXX. I want to take it to court. Equifax published negative report on my behalf and also they change our organization status. We used to pay a space on my own to run the organization, i had an accident I didn't receive any money to pay the rental place. I had to move the organization to my house. We have a space 2 years ago we don't any money to establish a good system to run the business. Now some how someone intent to mess up my reputation. For some reason I would like some take in consideration and fix the problem for me. I will appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent letters to each bureau asking them to verify the inaccurate information that is reporting to my credit profile. The accounts reporting to my report are not mine. It's been over 30 days and I have yet to receive a response back from them. I feel like I am being taken advantage of and being ignored. This false information is holding me back from a lot of opportunities. Please help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/XXXX I went to ER. The ER visit became an issue with XXXX XXXX XXXX as they are not honoring their contract. I tried to work this out with Insurance Carrier, and XXXX Hospital for 8 months now. 
I filed an appeal with my Insurance carrier. The Hospital apparently was not told to put my account on hold while the Insurance carrier reviewed the case and my case ended up in collections. XXXX XXXX XXXX is the collections agency calling  me. They ask for me and then demand personal info from me like date of birth, social security info, address to gain access to why they called. I was outraged and explained I would only give my birth date as I do n't know who they are. Upon giving my birthdate they tell me they are a collections company. 
I did not know my case went to collections initially and had no idea who they were. I called the hospital and they confirmed the case went to collections. The hospital also told me that my insurance carrier continues to not pay their bills or honor their contracts and to contact XXXX XXXX the XXXX XXXX and fire safety commissioner and I have and the case is being reviewed. 
When XXXX XXXX XXXX called I asked multiple times for them to send me a bill. They have not and told me they will not. I initially asked them about payback amounts and they refuse to work with me. They are telling me of the over {$5000.00} bill I will have to pay them back over {$400.00} a month for 2 years and again refuse to send me a paper bill so I can see the breakdown amount or confirm who they are. I have no indication by these phone calls they are who they say they are. They have called me every week at least 2 times even after I explained what I was trying to accomplish with the Insurance Commissioner as the case is in dispute and I have to wait for the outcome. Now todayXX/XX/XXXX they have called my relatives demanding they inform me of their call and to have me call them back. At this time I have blocked their calls and I will not speak with them. 
This company is not professional in demeanor, uses illegal tactics and has no regard for the situation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation