BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an incorrect debt that has been reporting on my credit report for over a year that was paid by credit card insurance. Although the debit was paid it is reporting as not paid and the original creditor ( FingerHut ) sold it to another company ( Resurgent ). I have contacted both companies several times and submitted proof and the issue is still not resolved. It has impacted my credit and lifestyle as I have had to pay high percentage fees because of my credit score and not qualified for credit cards or loans. I have submitted proof to the creditors as well as the credit bureaus multiple times. None of which took any action to remove the fraudulent report. I would like to move forward with a complaint and legal action as well as to be compensated for the suffering of the fraudulent misrepresentation on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXXEquifax dropped my credit report XXXX XXXX the reason per Equifax credit card balance decreased-and XXXX went up XXXX had to correct their report because of the inaccurate information-My Student Loans have been paid in full twice on XX/XX/XXXX by Borrowers Defense and by PSLF on XXXX XXXXit is coded incorrectly this is NOT a charge off it is a payoffXXXX XXXX XXXX XXXX XXXX XXXX XXXX  so I could get my loans taken care of-see attached-my XXXX  XXXX was paid in full-see attached-my XXXX is up to date-see attached XXXX was not opened XXXX-I have not had XXXX  for over 7 yrs and it was paid in full-I am tired of this incorrect reporting and incompetent customer service-I will begin the legal process if this is not corrected and I will email XXXX  as I have done before helping them develop forms to fight incorrect information on student loan reporting-i work XXXX XXXX and raise a family-I do not want charity-I want fair credit reporting-I have put up with these inaccuracies long enough being too tired to fight them due the death of my XXXX XXXXXXXX and XXXX XXXX still work XXXX XXXX-have to pay XXXX XXXX  rent increase XXXX dollar rent-I have decreased my debt by over XXXX by paying it off-no evictions-no bankruptcy-I am paying XXXX a month on my legitimate collections-first a breach of information and now thisXXXX fixed their report-after I brought it to their attention by over XXXX points-your system is not always correct-so a breach of secured information and non fair credit reporting I will go to the highest level court to get this fixed and that this does not continue to happen to other students-families-etc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 
XXXX XXXX  # XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: EQUIFAX, 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:
I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX NA XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX Card XX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C XXXX XXXX XXXX XXXX permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 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 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 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 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 All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/ 2023 I attempted to deposit {$700.00} Dollars to my checking account at the ATM on XXXX XXXX XXXX. The ATM took my {$700.00} and did not credit my account. I have called 4 times now-once on the XXXX, once on the XXXX, once on the XXXX, and now again today on the XXXX. The first time the address was incorrect, the next time the address was incorrect. The last time they flat-out lied. I want my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED: 
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 non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
This is my follow-up for my complaint to remove these unathorized inquiries from my Equifax and XXXX credit report ... EQUIFAX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: JPMORGAN CHASE & CO.
State: NM
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:
I submitted fraud on charges made to my Chase Freedom Visa card on XX/XX/2021, to XXXX online for the amounts of {$140.00} and {$10.00} I even received an email of the XXXX items being delivered to an address in Texas, with a picture of the front door. I NEVER ordered these items and don't even know anyone living in Texas. I have used XXXX online before but these are not my charges! Chase did reverse the original charges while they were investigating. I got a notification from Chase saying that they reviewed my case and " determined I received benefits from these charges '' and they were therefore putting them back on my credit card. I called again and told them they were not my charges. I then received another letter dated XX/XX/2021, that said " You asked us to review our previous findings to the fraud claim on the credit card account above. Here are our findings : Our latest review confirms the previous finding that the transaction is valid. 
The transaction will remain as part of your account balance... blah, blah, blah. '' They are blatantly calling me a liar. I have had this credit card for SEVERAL years and have ALWAYS paid my balances off. My credit score is well over XXXX. I am flabbergasted at how a company can determine that I received benefit from something that I was no part of and that someone could actually charge something to my credit card that I have no awareness of and I'm being told I am responsible for them I cancelled this credit card ( and they reissued another card ) but I am going to cancel my account as I no longer want to do business with a company that doesn't look out for the welfare of their customers and am considering moving my mortgage as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
JPL Recovery Solutions. Told them to stop calling, they threatened to call my works payroll department and that I would be in for a rude awakening. Abusive and rude. Called me, my mom, my dad, my sister, my brother, and my girlfriend. Did not let me speak. Continued to talk and intimidate me and threaten legal action. Wanted to collect credit or debit card info to repay debt. Predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX my vehicle was voluntarily surrendered ( XXXX XXXX XXXX ). Paid {$19000.00} and pay-off was {$20000.00}. The cost to repair is {$7000.00}. Tried to communicate via electronically and phone to try and resolve, but they would not listen. I am citing Equifax for being on their side after showing them all evidence. I just wanted Equifax to report a remark to " Volunteered Surrender on the credit report. Equifax states that they are only following procedure and report exactly what XXXX XXXX dictates to them. 
I wish for Equifax and XXXX XXXX of Texas to remove all information from my credit bureau file, but I know they will not listen to me. MAYBE THEY WILL LISTEN TO CFPB. 
You can reach me at XXXX or cell phone XXXX XXXX XXXX XXXX does not know where the vehicle is and I have told them. 
PS 2 : Would like XXXX XXXX to surrender title in order for me to fix {$7000.00} repair. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: OH
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 have an unverified account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I had previously disputed this account. I have never done business withXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. The original date of default and collection activity begins 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection activities and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXXXX/XX/2022 have been paid in full its refused to be removed off my credit report. XXXX XXXX $ XX/XX/2022 I have not used XXXX services. XXXX XXXX XXXXXXXX $ also needs to be disputed I did not use these servicesXXXX XXXX XXXX is saying I owe XXXX $ someone was using my services after I moved out the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a secured card that I aid XXXX. In XXXX I asked for the card to be closed it was almost closed to XXXX. It never closed and since then they have charged XXXX in interest and late fees. We only new when they said me a letter in the mail last month. I called last month lady stated she would send my information to a supervisor no call and more interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There is 2 accounts showing delinquent for XXXX XXXX. XXXX XXXX has submitted 4 request to have the accounts removed from my credit report. Equifax REFUSES to remove the accounts as per the documentation attached. XXXX with XXXX responded to XXXX XXXX stating Equifax will not remove the errors due to the info not being of public record. Myself & XXXX XXXX  has supplied the legal documents as proof of our claim Yet their response to my complaint states it has been rectified when in fact, as of this complaint the accounts are still showing delinquent. These errors has resulted in my family being denied credit. We have been attempting to get these errors corrected for more than 2 years. 

In XX/XX/XXXX, Equifax responded to my complaint with the following statement. 

" Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there are two debts being incorrectly reported by a data furnisher. You indicated that the accounts were discharged in a Chapter XXXX bankruptcy because you, as a non-filing spouse, are protected At your request to begin an investigation, we contacted the data furnisher on XX/XX/XXXX, to verify the accuracy of the information with which you disagree. The data furnisher responded and they updated the account status, removing the charge off notation. The result summary, confirming the removal of the charge off status, was provided to you on XX/XX/XXXXred in a Chapter XXXX Bankruptcy ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
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:
Under the Fair Credit Reporting Act, XXXX Account XXXX for XXXX XXXX has violated my rights.

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 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Our home mortgage is with Nationstar Mortgage, dba " Mr. Cooper '' ( " XXXX '' ). There is an extensive history of XXXX cheating its customers, including XXXX recently brought by CFPB that resulted in XXXX paying out $ XXXX in restitution ( Case Number XXXX ). Looks like they are at it again. Maybe CFPB is already aware of this scam. 

The brief History is that I recently Re-Fied, and my loan went thru a couple of sales, finally winding up with XXXX about a year and a half ago. Starting 6 months ago XXXX initiated a cyclical process of asserting that " their records showed '' my insurance to be lapsed of deficient. I would respond, submitting complete evidence of insurance, and after a bit of back and forth, I would receive a statement that the matter had been resolved and " no further action was needed at this time ''. After a couple of weeks, the cycle would repeat. This happened 3 times, and then XXXX 's suddenly purchased unnecessary insurance, and did this immediately after one of its " all is resolved '' letters. This resulted in a substantial increase in my principle, by the cost of the insurance, and the funding of a bogus escrow account. My monthly mortgage invoice has increased by a bit over {$100.00}. 

I submitted a very detailed and documented complaint. XXXX responded, and in my opinion just dug their hole deeper, doubling down on their fraudulent assertions and threats of extortion. I have answered that with an even more detailed response. 

I will do my best to submit all the relevant files as ZIPs, which should preserve folder structure. But given the 10MB size limit, it might be several zips. I hope I don't time out while I am putting all that together. OK ... 6 ZIP files ( of PDFs ) coming... 

FIRST COMPLAINT zip files : Demand Letter Exhibit ABCEF Exhibit D -- ( Insurance Purchase ) Part 1 Exhibit D -- Part 2 Exhibit D -- Part 3 SECOND COMPLAINT zip file : Second Complaint Thank you kindly for taking this matter on, and I eagerly look forward to your response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation