BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX have failed to show any substantial increase in my credit score although XXXX has corrected the defective reporting on their part to all three credit bureaus. 

We understand from correspondence with XXXX and from other resources that payment history counts for approximately 35 % of the composition of a credit score. There has been no improvement evident on the score subsequent to Truists updated information. 

Here is the situation. In 2021, XXXX granted me XXXX relief for my car loan that extended from the end of XX/XX/2021 through XX/XX/2021, when I again began making payments. XXXX XXXX NOT keep accurate records and erroneously reported me late during the time of XXXX relief. When I resumed payment, they applied those payments backwards to the time of initial XXXX relief starting in XX/XX/2021 instead of applying the payments from XX/XX/2021 onward. They incorrectly reported me late for slightly over 12 months. This caused me reduced credit lines which raises the usage % of my available credit. After over a year of effort, XXXX corrected their reporting to XXXX, Equifax and XXXX and I no longer have any late payments reported from them. 

Since the incorrectly reported late payments were not a result of actions on my part, that correction of XXXX error should have raised my credit score substantially but it has not. 

This situation is now an error on XXXX, Equifax and XXXX part. Correspondence with XXXX has not resulted in action on their part and despite repeated requests for the name and contact information for someone with the authority to implement the appropriate corrections to XXXX records, this has not been provided. Equifax and XXXX site does not provide and option to address the issue since the problem is not XXXX of the options listed. 

The errors resulting from this situation have caused me serious professional and personal damage. 

Once the score is appropriately raised, I will be able to reapply for the lines of credit and other terms that this error has caused me to lose and then raise the level of credit available and reduce the amount of % used. 

This experience with the disinterest of financial institutions like XXXX, Equifax and XXXX in assuring that they have accurate records is disheartening. I hope you will be able to help me rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
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:
Experian and XXXX delete a non-accurate XXXXXXXX XXXX account on my credit report... Meanwhile, XXXX is refusing to delete this account, and they never could verify this account when the latest proper documentation ....

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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: Their investigation did not fix an error on your report

Complaint:
I had disputed an account that was open fraudulent. It took more than 3 months. 
I call XXXX XXXX  to let them know that was a fraudulent account open. 
I have accepted responsibility for the charges any responsability because it was not me. 
Nothing was shipped to your address I have not participated in, or benefited from the purchase. 
I have never made payments to no account Since I did not open it. 

I have not received anything to be to be reviewed by them after my complaint of fraud. 
The signature on sales receipt it not mine permitted a third party to use/ open the account I didn't activated any account.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Transunion has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

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 2022-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing to dispute the inaccuracies on my credit report with Experian.

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 2022-10-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2019-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid 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 was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019, 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, someone attempted to open an account in my name. Fortunately, the individual was unsuccessful yet an inquiry for this attempted account opening remains on my credit report from Equifax. Immediately upon learning of the fraudulent attempt, I contacted the creditor who stated they would make a note about the fraud. Additionally, I worked with a representative at XXXX to resolve the issue ( I have XXXX   protection because of two personal information breaches involving my information ). A request was submitted by XXXX   on my behalf to remove the inquiry. In late XX/XX/XXXX, I filed an Identity Theft Report through the FTC, filed a police report with local law enforcement, and provided a copy of the letter I received from the creditor regarding the attempt to open an account to XXXX  along with a limited Power of Attorney to complete the inquiry removal request on my behalf. These documents were provided to Equifax, requesting the removal of the fraudulent inquiry. Equifax has denied the request. Multiple requests were made in writing and by calling Equifax directly. During a call to Equifax on XX/XX/XXXX, I was told, " Inquiries are factual and Equifax does not remove factual information. '' I explained a police report and FTC report was filed, and then was told they could assist with removing the inquiry. A few weeks after the call, I received an updated credit report that removed a closed account in good standing while the fraudulent inquiry remained on the report. I contacted my representative at XXXX who said, " sometimes it can take up to 90 days for the request to be processed. '' I called Equifax again on XX/XX/XXXX. During my first attempt I was disconnected while on hold for 30 minutes to process my request. When I called back, I learned my request had not been processed. During the second call I received a confirmation number pertaining to my request to remove the fraudulent inquiry. As of XX/XX/XXXX, the fraudulent inquiry continues to reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: GA
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. 
Accounts are : XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX / XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX DEPT OF ED ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX-OPENED XX/XX/2014 ACCT # XXXX XXXX OF XXXX DEPT OF XXXXOPENED XX/XX/2014 ACCT # XXXX XXXX XXXX XXXX ACCT # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

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 2019-12-19
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Radius Global Solutions called me in XX/XX/2019 regarding an account with XXXX that I verbally told them I disputed. They sent me a letter. Initially I was going to dispute it, but given the time and energy to dispute a {$240.00} charge, I reluctantly decided to pay it to settle the matter. I opted for the online payment option and initiated the transaction online. I wrote " paid '' on the letter and filed it in my tax documents. Fast forward to XX/XX/2019, I happened to check my credit report and was stunned to see an open collection amount from Radius Global Solutions ( I do not have any other collection accounts and have a history of paying my bills on time! ) I was enraged that I had not heard from them since XX/XX/2019 but yet they reported my account to the credit bureaus. Further, sometime over the late spring/early summer, I had received a letter from the original creditor informing me that there was a data breach with this company and my payment information had been compromised. 

Upon reviewing my credit card statements, the amount I had paid online was not processed. I am assuming this had to do with payment system breach. 

When I questioned Radius why I had not been contacted by them since that initial communication in XXXX, their response was " we called you 33 times. '' Yet, they did not leave one voice mail. In the age of endless solicitation, I do not answer calls from numbers I do not know. I also received no other written communication from them that they had not received a payment or a dispute and that they would be reporting me to the credit bureaus. Radius told me that they are not required to leave voicemails or send additional letters. But yet they called me 33 times ... 

The business practices used by Radius is what gives collection agencies a bad name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: PLS GROUP, INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
Visited PLS to cash a check. The customer service representative made several phone calls to managers while I was in the store. They cashed the check and then a few days later collections called and said it was returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX  XXXX acct # XXXX remove these remarks from the account. 

XXXX XXXX XXXX  Acct. # XXXX Remove all remarks from the account remove the late, this account is closed XXXX XXXX Acct XXXX XXXX I'm still in possession of the vehicle, still making payments on the vehicle as of today. Remove all late and repo status on 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a debt for from XXXX XXXX, I set an arrangement with the XXXX, and make two payments, the third payment i failed dues to financial hardship. they send me to collections the collections agency send me a letter and i call to make an arrangement, they told me that they would hit my credit even if i make a payment, then they told me that i need to pay {$4000.00} on the phone i offer to make an arrangement of $ 100 monthly they refuse to do that they told me that i can pay {$630.00} over the phone and {$350.00} per month then the agent transfer me to a very rude and aggressive person that did not respect me or either allow me to talk. 
I'm able to make {$150.00} payments per month to clear this debts, right now the economy is hard and that is the maximum that i can pay. I can revisit this to see if in the future i can pay more. 
the lady over the phone just hang up on me leaving me with out any options

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 2021-12-14
Company: EQUIFAX, INC.
State: NC
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:
On Equifax ReportXXXX XXXX XXXX has reported as Medical Debt, variable rate and has changed classifications over time. Has reported " OK '' in months then has gone back and stated " 30, 60, 90, 120 '' days late in same period of time. Then they changed from Medical Debt to Personal Services to Installment and Individual Account. This account has been disputed as erroneous, negative information on my Equifax Report, Equifax came back as verified and then I disputed the method of verification, Person talked to, Company, Phone Number, Date spoke to, Documents bearing my signature showing debt. Nothing of forementioned was provided. Even more erroneous information on reports from Equifax shows " OK '' pays as agrees for 8 months and the balance and credit never changed and when XXXX XXXX went back to change times late, they showed 30 days late in XXXX 2021 and separately reported 60 days late for same Month with Equifax. This is erroneous and must be removed from my report. Equifax has drastically reduced my credit score from XXXX on report dated XX/XX/2021 to a XXXX dated XX/XX/2021 from their erroneous reporting and has caused negative financial actions because of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2019-12-19
Company: CL Holdings LLC
State: TN
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:
Jefferson Capital agreed to cease collection activity on the XXXX XXXX account as well as REMOVE the entry in its entirety from all three of my credit reports. Upon checking my reports, Jefferson Capital did not delete the entry as promised. They just changed the account to " current '' and then listed " charged off as bad debt '' in the comments.

Company response to consumer: Closed with explanation