BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX/Resurgent capital services are an unethical company. XXXX is a debt buying company where they pay pennies on a dollar for debts. They got a debt that they found my name and even though I've told them fir the last 2 years it's not my debt.they continue to harass and charge they have ruined my credit to the point that I'm XXXX  as I am unable to get an apartment because of how they have impacted my credit score and credit. They do not care if they have the right person as long as they can say they have found someone with a name similar to debt they dont care they are like leeches attached to an person do not let go even when they are wrong. XXXX has stated they validated that this was my account I said show me validation they can not because XXXX electronically says it's my bill there are 2 people with my name I popped up first and they have gotten all my personal information and have made my life XXXX..o w am XXXX years old with a XXXX XXXX high medical Bill 's and prescription drugs that are very expensive XXXX   has unethically chosen me to go after its ruined my credit I'm XXXX  and it's starting to impact my health to a point that's scary. XXXX should not be allowed to practice business the way they do resurgent is parent company but since XXXX is a debt buying company there are no laws that can protect the old and poor from this company they are scum and should not be practicing there have been many complaints to the better business bureau here in mn and south Carolina where their corporate headquarters please help so I can get a home please understand that being XXXX  at XXXX isn't easy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to non-affiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for NAVY FEDERAL CREDIT UNION to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX TX XXXX Address Information on this item has been updated as shown above. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated wrong address XXXX XXXX XXXX Bank  Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Leasing and Rental Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX not mine inquires XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Open Payment Status Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$4200.00} Balance Updated XX/XX/XXXX Original Balance {$16000.00} Monthly Payment not mine XXXX XXXX XXXX XXXX alll not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Prosper Marketplace, Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I entered into a settlement agreement with Prosper. We agreed to a reduced amount of the loan as long as I paid as per the settlement. My payments were reduced down to {$180.00} until XX/XX/XXXX then the last payment would be {$110.00} due on XX/XX/XXXX. Since XXXX I have made all the payments on time, yet, the payments on the account look like I have not paid per the agreement b/c the payment amount is no the " original '' complete amount. So it is the constant rolling 30 day or more late. Once it becomes 60 days late according the the account they then report me late, but technically I am not as I am making the payments at least a day or two before the due date. They have now reported me late once again this month and this is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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 just received my reinvestigation back from EQUIFAX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

XXXX XXXX XXXX  : XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report from XX/XX/2022 as evidence. 

I also attached my personal documents : ID, SSN and Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I am getting a lot of credit card offers which I have to spend considerably time shredding every week. For instance I get offers from CapitalOne, XXXX XXXX, XXXX  ( not a credit card company I think but they still send me a lot of material ) The problem is that I have tried to opt out but they ask me for my first and last name. Here 's the catch though : the credit card offers I receive have my first and last name reversed. E.g. instead of XXXX XXXX, I appear as XXXX XXXX ( not my real name obviously ). 
So I am not sure how to opt out. That is, when I get asked about my name should I provide my correct legal name or just use the wrong name that they use in the promotional material they inundate me with? 
I worry that if I use my correct name I may keep receiving credit card offers as my name won't match against their database. I also worry that if I supply my name as they have it in their database ( i.e. with the first and last names reversed ) I may be breaking some law as I have to click a button that says that the information I provide is truthful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: VA
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:
Equifax are reporting different information and the credit scores are always extremely lower than the other two agencies. This is also a violation of the Fair Credit Report Act. Each credit reporting agency has a responsibility to report accurate information. Also, Equifax is reporting my actual monthly payments that I pay to several of the creditors. This is a violation of the Privacy Act of 1974. The payments are not matter of Public Record and should not be published as a part of the report. ( Please see attached ) In accordance with 15 USC 1692 C ( b ) without prior consent of the consumer, a debt collector MAY NOT communicate about the collection of a debt with any person other than the consumer, and by providing my credit information to anyone inquiring, other than the originator, which you have done, you are in violation. And the originator has this information therefore there is no reason for you to publish it.

My Credit Report has a lot of Promotional Inquires. My information is reported on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX 15 USC 1681e states. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports lists under section 1681b of this title. ( Please see credit reports )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company did not receive my written instructions to furnish the following accounts on my consumer report. They are violating the Fair Credit Reporting Act by furnishing information on my consumer report without permissible purpose. This company is an elaborate mechanism which has a need to insure they're exercising their grave responsibility with fairness to the consumer. I have not been treated with equity/fairness. These accounts must be removed : 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 2023-06-20
Company: JPMORGAN CHASE & CO.
State: SC
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:
I was summoned and required to answer a complaint on XX/XX/2023 for a repayment of XXXX. I do not owe that amount. This is incorrect information. I responded for them to give proof of these purchases being made by me. On XX/XX/2023 I received an email from a company XXXX  asking for payment of XXXX dollars. I called them and they proceeded to inform me of a loan over XXXX dollars this is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Synovus Bank
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account had a 0 balance and was reported as closed in XXXX of 2020. This was a secured credit line and I received my deposit after the account was closed. After this happened they proceeded to mark my account as repeatedly past due and left derogatory marks on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Shellpoint Partners, LLC
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 status incorrect

Complaint:
NEW RES- SHELL POINT MTG IS ERRONEOUSLY REPORTING LATE PAYMENTS AND PAST DUE BALANCE ON MY CREDIT REPORT FOR THE LOAN THAT WAS PAID OFF AND TRANSFERRED TO ANOTHER SERVICER BY THEM BACK IN XXXX OF 2020 ... .I always made my payments on time, see attached proof of payments made in XX/XX/XXXX checks even and XXXX when they stated they transferred my mortgage to the new servicer whom I also paid in XXXX. HOWEVER, Shell point FAILED to post my payments correctly on my credit report even though they deducted them from my account, and they failed to post the balance to {$0.00} even though they received full payment from the new servicer of the mortgage note .... this has been damaging to my credit for 8 months now ... My numerous attempts to resolve this issue with the Morgage company went ignored only causing them " confirm the accuracy of this account '' to the credit bureaus that went on to lower my credit rating further with each bureau .... 
this is unacceptable and my consumer rights have been violated greatly ... 
https : XXXX/www.consumerfinance.gov/rules-policy/regulations/1024/33/ # a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Whom It May Concern : Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$1000.00} {$1000.00} No. of Months ( terms ) : - - High Credit : {$1000.00} {$1000.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Consumer disputes this account information Medical Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX and XXXX. ( Please see pages 6 and 7 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. 

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see page 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Greetings My husband and I made a payment for our Mortgage to XXXX before the year of 2010. As it was made to our attention, the mortgage company claimed that they never received the payment, but they did receive it! Using a US POSTAL MONEY ORDER for almost & XXXX, an employee I intercepted the payment for their PERSONAL USE! It was traced and came back with a signature on the back and the date! XXXX, denied the claims and continued to charge us for the payment not being received after we repeatedly made contact with them on the incident! This in turn caused my husband and I to file for protection against foreclosure of our home, using the XXXX XXXXXXXX bankruptcy protection! We have received no compensation from XXXX but since then we have moved on from this company and we are in another home. This was the only way to get out of the terms of this condition and we have NEVER RECEIVED ANY COMPENSATION FOR THIS MATTER, AND NOT EVEN A SIMPLE APOLOGY!

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 2022-04-22
Company: BTH Management
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was called by a collector, I did not recalled this account. I was trying to make an arrangement even though I did not recalled this account being mine. XXXX XXXX XXXX offered me payment options and I told her I was only able to pay the original amount of the debt she stated I will inform that you refused to pay this debt and I told her I was not refusing but I did not have the amount she was asking for. XXXX XXXX proceeded to get upset and told me you should pay your bills in a nasty way and hanged up. 

today I received a call from a different person about the same matter and I simply asked to see paperwork on this " debt '' and the guy who did not say his name started saying they sent it to an address I don't live at and stated my date of birth erroneously so I inquired for black and white proof. 

the called went off because I don't have signal where I work and he called back telling me he was going to report me as a direct refusal and told me to stop playing games. 

I called back to try to report this behavior and they transfer my call to the agent who again repeated I was playing games and I was going to be reported as a direct refusal of payment. 

I have no knowledge of this account and I was trying to get clarification. I felt harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CREDIT ACCEPTANCE CORPORATION
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 information incorrect

Complaint:
I was taken advantage of by Credit Acceptance. The used car XXXX XXXX XXXX XXXX miles, purchase price was {$15000.00}. I was charged 22.99 % interest. The interest rate was way too high and over the allowable 21 % in Louisiana. The total is {$30000.00}. Payments are {$550.00} at 51 months. This loan was made XX/XX/XXXX. So far, Ive paid over {$10000.00} on this fraudulent loan. 
The company is also reporting 2 late payments on my credit report. I am attaching proof that payments were made before 30 days each month. Please investigate Credit Acceptance.

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