BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-08
Company: EQUIFAX, INC.
State: AZ
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:
Equifax ; XXXX and XXXX are reporting incorrectly ( 120-180 ) days late on XXXX partial account numbers XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a collection account reporting on my credit file with XXXX XXXX XXXX account number XXXX. I contacted the company and agreed to settle the debt. I spoke with the Floor Manager XXXX XXXX and he was the one that approved the settlement. Once I completed the payments they were suppose to zero  out the remaining balance and remove it from my credit report, because again it was a settlement agreement. I watch my credit through a credit monitoring site and when I checked to make sure the account was reporting properly I was floored to see that what they did was take the money they agreed to settle the account and actually just applied it to the balance. On XX/XX/2018 I called the company ( XXXX ) XXXX and was transferred several times before I was able to speak with XXXX XXXX again the Floor Manager, at first he too seemed confused and said that there was money still owed. He did finally remember the agreement and said that the accounts were settled and that he would send me a letter showing they were settled with no money owed and that they would delete them from the credit report. I still have not received that letter nor has it been removed off my credit report.

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 2023-10-05
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX my XXXX XXXX XXXX was totaled that same day I reported the accident to XXXX, by XX/XX/XXXX it was considered a total loss. The agent that handled my case spoke with a XXXX representative at XXXX on XX/XX/XXXX and was given a total pay off amount of XXXX ( I learned this information from XXXX this year ). I never received a call from American Honda Finance in XXXX or any paperwork so I assumed that the car was paid off. It was not until XX/XX/XXXX I begin receiving calls from American Honda Finance that I have a past due balance on the account. I waited on the line to speak with a representative on XX/XX/XXXX in that call I learned that Honda Finance processed the payment check of {$12000.00} from XXXX as a customer payment. American Honda Finance stated that it was XXXX fault and that I had to contact XXXX to process the claim properly. I requested for my call to be escalated to a supervisor and I was given a reference number to wait for a call back. I never received a call from any supervisor. I called progressive that same day and I was transferred to the XXXX California location where I left a message and an email. 
XX/XX/XXXX I received another call about my past due amount from American Honda Finance and answered, I explained my issue again and was told the same thing. I contacted XXXX and the representative supported me with details on the claim and stated that American Honda Finance cashed the check from them on XX/XX/XXXX. The representative offered to call American Honda with me and I agreed. We both received a run around and another reference number to wait for a supervisor call back. I received a call back from Honda Finance but it was not a supervisor it was a representative that was trying to help me the best she could. I asked for a pause to be placed on my account as it is affecting my credit I was told I had to make a payment for that to happen. I finally spoke with a customer service representative who stated that I needed to call Progressive back and ask them to call Honda Finance even though XXXX sent an email to myself and American Honda on the same day showing the total loss details. I contacted XXXX and the representative was not successful with making contact with American Honda Finance. 
This cycle continued again on XX/XX/XXXX and XXXX was not successful with making contact with American Honda Finance. Then on XX/XX/XXXX and XX/XX/XXXX I reached out to GAP insurance for support and unfortunately they can not do anything except cancel my contract and refund me. 
I tried to speak with American Honda Finance again today on XX/XX/XXXX and again they will not pause the account and they will not consider my vehicle a total loss, the representative only told me to cancel GAP and my extended warranty to get a refund but now my credit has been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: NC
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$570.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: EQUIFAX, INC.
State: AZ
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:
Equifax is reporting incorrectly ( 120 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureau to remove this but I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: MI
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: AZ
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/2022 I received a call from Credit Corp Solutions , Inc.. Their address on subsequent correspondence is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. XXXX. They informed me that this was regarding an unpaid debt from XXXX in the amount of {$310.00} and they were attempting to collect this from me. I informed them that I had no knowledge of this account and that it was obvious fraud. The email address that they said XXXX provided them was not mine, nor was the street address where XXXX had been sending statements, etc. Credit Corp Solutions said that they would mail me a fraud statement that I needed to fill out and send back. I received the " RESPONSE TO DISPUTE AND VERIFICATION NOTICE '', filled it out stating that I had no knowledge of these charges and that it was obvious fraud and mailed it back on XXXX XXXXXXXX XXXX On XXXX XXXX, XXXX  I received another call from Credit Corp Solutions saying that they received my response but that it was not notarized. I informed them that I should not have to pay a notary for something that was not my debt or my responsibility to pay. I told them if they did their fraud investigation it would clearly show that this was not my account or charges. They refused to accept the statement as sent and referred me to FTC.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: GOLDMAN SACHS BANK USA
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my account in late XXXX XXXX. There was trailing interest that I called and paid off with a representative. There was trailing interest to the trailing interest and I was assessed a late fee, then another late fee. I did not open my statement after the representative assured me that my account was paid in full. I asked to have the late fees waived and during this time my account was in dispute another late fee was assessed. This resulted in an amount due of over {$100.00} which was all accumulated due to trailing interest. I now have been advised that the {$100.00} payment will not payoff my account since there will be additional trailing interest. It seems like you should be able to payoff a credit card at one point in time and not have the ongoing battle of paying the trailing interest. By my calculation they will continue to charge interest on the interest forever! I don't feel that the trailing interest is fair and above board. I also do not feel that being assessed a late fee while your account is in review is also fair. When I addressed this with a representative they indicated that my fees were non-reversable and I would continue to be responsible for trailing interest. I have permanently closed my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On about XX/XX/XXXX I mailed my payment to Freedom Mortgage. Around the same time I had received a notice my loan was being transferred to XXXX XXXX but the payment had already been sent. On XX/XX/XXXX I noticed the check had not been cashed. I called Freedom and was told the check would be returned to me and that I needed to call XXXX XXXX  and make the XXXX payment there so I did. I then noticed on XX/XX/XXXX the check to freedom mtg had been cashed so I thought it would be transferred to XXXX XXXX  for the XXXX payment. I called rocket mtg and they said payment for XXXX was due. I went ahead and made the XXXX payment with rocket mtg and then called freedom to find out what they did with the funds. They say we did not receive a check from you. I said yes you did and you cashed it. It has the stamp and title of the person in accounting that cashed it. The person said oh we have no record but that person does work here. I asked to speak to a manager, we went around again with the same answer. He said he filed a report and someone would call me in a day or two. This was on XXXX. Today is XX/XX/XXXX. Nobody has called me. I just called them again and went over the same thing. I was told to file a dispute and fax in a copy of the check they cashed. I dont have a fax but will get to XXXX since they wont allow an email. They have had my check almost 60 days and should have returned it or cashed it and transferred the payment to the new servicer.

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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
There is incorrect information on my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. XXXX XXXX has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted 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 explanation
Consumer complaint received 2023-10-17
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:
I hope this letter finds you well. I am writing to dispute inaccurate information that is currently being reported in my credit report by your agency. I believe that my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) are being violated due to the presence of late payments on my credit report for the following accounts : ACCOUNT NAME- XXXX ACCOUNT NUMBER- XXXX INACCURATE LATE PAYMENT REMARKS DATE- XX/XX/2023 Late 30 days, XX/XX/2023 Late 30 days The inaccuracies stem from a violation of several key provisions of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681 Section 602 - Right to Privacy : This section of the law asserts my right to privacy regarding my credit information. I have not provided written consent for the accounts in question to be furnished to your agency.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Consent Requirement : It is my understanding that a consumer reporting agency such as yours can not furnish an account without the written consent of the consumer, which, in this case, is me.

15 U.S.C. 1681a - Definitions - Rule of Construction Exclusion : The definition of a " consumer report '' in this section explicitly excludes any report containing information solely regarding transactions or experiences between the consumer ( myself ) and the entity making the report. Therefore, these late payments should not be included in my credit report.

15 U.S.C. 1666b - Prohibition on Treating Payment as Late : This section prohibits creditors from treating payments on a credit card account as late for any purpose. Hence, the late payment information reported for these accounts is in direct violation of this provision.

Given the clear violations of my rights under the Fair Credit Reporting Act, I request that you take immediate action to correct these inaccuracies in my credit report. Specifically, I demand that all late payments for the accounts mentioned above be updated to " Paid as Agreed/Never Late '' without delay.

Please investigate this matter promptly and provide me with written confirmation of the corrections made to my credit report. I understand that you have 30 days from the receipt of this letter to complete your investigation, as mandated by the Fair Credit Reporting Act.

Failure to take corrective action within the stipulated time frame will leave me with no choice but to pursue legal actions to protect my rights under federal law. I trust that it will not come to that, and your agency will promptly rectify these inaccuracies.

I appreciate your immediate attention to this matter and look forward to a swift resolution. You may contact me at the phone number or email address provided above should you require any additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a small business, and I made a XXXX XXXX credit card in XXXX that even after several calls could not solve the problem of my online access .to be able to schedule my payments. and because of that I forgot to pay on the right day. It's all paid for but it was reported to Equifax Business and negatively impacted my credit score. The value is {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was during the Pandemic lockdown and I had to go the XXXX XXXX XXXX for XXXX and my XXXX XXXX  was injured and Im XXXX XXXX  so the XXXX XXXX XXXX filled out my paperwork for insurance reasons. The paperwork had errors on it and the paperwork was kicked back to the hospital from the insurance company and with notes The insurance company told the hospital what information was missing or wrong and then to send it back! Thats the standard procedure.. This information was not made available to me to fix or figure out? So the hospital failed to fix the errors and failed to reach out to me and just kept the documents and ignored instructions to fixing it and just put it aside a then made me responsible for the XXXX XXXX and everything else and made me reliable for the fees out of pocket and I had insurance and have insurance and told them that and the hospital failure to fix the errors that there job. I had no idea I had this issue and it has put a huge dent ony credit report and I am not responsible for the XXXX cost my insurance company paid it also this account was sold to a third party collector so the dept is all ready paid off and the collector forfeited there right to collect my buying the dept and that paid the dept off.. This is unfair to put this one the collector knows the situation but continues to willingly knowingly provide false information about a credit bill i have no idea about and wasnt my fault they did nothing to fix the errors. And this has been reported to my credit report amd its very damaging to have {$3300.00} collection with delinquencies that are not true and it has caused major credit issues for me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: PA
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : 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 response to consumer: Closed with explanation