BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I went into a Regions bank on or around XX/XX/2023 because I noticed some fraud on my account. My regions card was used fraudulently at XXXX online and I needed to dispute the charge and pick up a new card. While I was at the XXXX XXXX XXXX, XXXX Ga location I was informed that I qualified for a {$50.00} overdraft protection plan and if I was to go overdraft Regions will pay it and I wont have to pay the {$36.00} overdraft fees. Ive paid Regions XXXX XXXX XXXX in overdraft fees and I was under the impression since Ive done so and have been with the company so long it would be like an I earned it type situation. Im in the process of moving and credit requirements are set to get the place. I notice my Credit dropped over XXXX points for this so called protection plan. When I called to better understand how a protection plan is affecting my credit like this and WHY. they said it was a line of credit, which I was never told, and all I was paying was late fees. When I clicked on the account all it ever said I owe was {$10.00} like once a month and I paid it assuming it was a fee for having the protection plan, which also wasnt explained. I asked the lady what all I owed to be satisfactory and she first claimed I sent the {$50.00} from that account to my personal banking account which wasnt true so I asked her the date this happened she said back in XX/XX/2023. I didnt recall my bank going into overdraft because apparently the money automatically sends it there without any doing of my own and no type of notification that it was done. So at the end of it due to my desperate need to get my credit score up, I agreed to pay all dues. I was told it would be {$50.00} I paid. I went back on my account a few days later to see I owe them another {$16.00} plus XXXX everyday after the due date. I paid it but Im being taken advantage of at this point. I cant close this account because that would also report negatively on my account. Could you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I wrote previously Fay Servicing BLOCKED my online access to make payments, XXXX responded with everything I did wrong or I did not do. XXXX XXXX to accept, listen to or own any of their own issues. A consumer can not access the company live agent without a XXXX minute process or making numerous calls as the phone tree requires a dozen questions then ends with " would you be willing to answer XXXX survey questions, press XXXX '' and that is XXXX. There is NO option to NO answer the questions. If you do not hit XXXX and answer questions BEFORE you are even serviced the system hangs up. If you answer the questions, it then hangs up on you. There is truly no rhyme or reason to defeat this process. The last time - month ago - I could not make a payment I opted to send via my XXXX XXXX XXXX. XXXX would issue an physical check and mail it. When I kept trying to reach a human and finally did, I told the agent I did bill pay. I was instantly scolded that XXXX did NOT accept bill pay!! WHAT??! I said but it is a check. I was told it would be rejected and I would be in default. Suddenly my online access was fixed and I could pay online and I did. Then again this month, SAME THING! I was able to finally pay last week, and my bank showed a pending payment and then it never cleared. XXXX called me last week to ask about a payment and I told them it was paid, the agent agreed she saw it and thanked me for paying. Now today, XX/XX/XXXX I see it is not yet posted. I tried to pay online and again XXXX BLOCKED BOX! I spent XXXX attempts and ALOT of button pushing to finally get through. XXXX in XXXX told me I now owe {$450.00} in DEFAULT INTEREST!!! THIS IS UNACCEPTABLE! I have been trying to pay this. XXXX XXXX puts customers in default to reap additional monies. PLEASE INVESTIGATE THIS! Per my call last week, the agent told me if payment not received by XXXX I would be in default. So how or WHY should I have DEFAULT interest ALL THE WAY BACK to XX/XX/XXXX?? I have interest due by loan itself for the month of XXXX. I should not also pay a default interest for all the same month as well, ESPECIALLY since I am trying to pay and the system is not allowing it. There is ZERO way of escalating anything with this company. I need a negotiated settlement on this interest. While I do NOT agree that I am in default, for the sake to settle this ROBBERY I will agree to 50 % of the {$450.00} and I want HALF of the late fees reversed. I want my escrow account UPDATED AND REMOVED upon payment of escrow arrears when paid tomorrow XXXX - because apparently your system REFUSES to take more than XXXX payment. Seriously, what bank does not want money?? Again, I am TRYING TO PAY and I am being REFUSED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian Report Number # XXXX XX/XX/2023 : XXXX  collection account added in Experian report, XXXX XXXX dipped by XXXX points XX/XX/2023 : Raised dispute to Experian XX/XX/2023 : Got response from Experian without any details XX/XX/2023 : Decline new credit card due to derogatory comments I am writing to dispute against XXXX XXXX impact ( related complains XXXX and XXXX ) due to collection account listed on my credit report under XXXX account # XXXX, reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The original creditor for this account is a medical provider, TXXXX XXXX XXXX XXXX XXXX XXXX, and the account is related to in-home XXXX XXXX rendered. I am disputing this debt for the multiple reasons, against unfair practices, unequal treatment and unclear policies. 
Lack of Communication : I havent received any written communication either from original creditor TBH and collection company XXXX XXXX XXXX XXXX XXXX ) regarding accounts being transferred or sent for collection. Dispute was raised through Experian, have Experian verified if XXXX have followed all the procedure as per Fair Debt Collection Practices Act ( FDCPA ). Can Experian have proof of any mail correspondence from XXXX to me for this account. 
Lack of Validation : I have not received adequate validation of this debt and proof of services as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I havent received any details from Experian against dispute filed against this account, what all aspect Experian have validated before account was added to credit report and during dispute resolution. 
Lack of Customer focus and voice : Being customer to Experian and exceptional credit history then why credit bureaus dont have pro-active policy to re-check facts before adding collection account and credit impact. If a customer has raised a dispute, then why Experian dont have additional safety for customer to first investigate and not to let such account impact XXXX XXXX. 
Clarity on XXXX XXXX : How XXXX XXXX is calculated, what is weightage of third-party medical debt and why a collection account has too much impacted-on XXXX XXXX while XXXX other accounts are 100 % in good standing?

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 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle incorrect and unverifiable accounts that are kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. PLEASE GET RID OF 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

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 2023-08-02
Company: Paramount Recovery Systems, L.P.
State: TX
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:
Today, XX/XX/XXXX, a new company in XXXX Texas called me about an old debt from XXXX which I have disputed many times and waited for it to be deleted from my credit report. 
The collection account was deleted from the credit report per the fair reporting standards and have been off the credit report for almost a year. 

Now that I am currently seeking to purchase a home and in conversations with lenders and getting praised for demonstrating good progress with my credit worthy, someone ( who is invading my privacy ) is deliberately trying to defame my character and sabotage the current praise and opportunity by bringing up old debt that was disputed and expired from my credit report. Someone has even went so far as to target me by searching for the old debt to purposely transfer it to a new company who would pursue and/or recreate the account to restart the derogatory reporting to the credit bureaus after previous debt collector removed it. This is all to directly sabotage or threaten me during my attempt to purchase a home. 

When speaking with their representative she explained that they were a new company assigned to the debt in XX/XX/XXXX and that they have not been in contact with me because they just got the account and finished the waiting period. She also threaten us by saying that they do have the right to restart the process of reporting it again to the credit bureau and that it was not called re-aging. 

I begin questioning why they have all of a sudden contacted me now after having the debt for over 5 months and the debt was over 6 yrs old. I explained that we have disputted this account with the previous debt collection companies and with the hospital and ask not to be contacted about this inaccurate bill that no one could verify or justify in the hospital when disputing the bill. I believe that this may be one of the reasons why the debt was deleted because they could not verify or justify the bill.

So in other words, they are manipulating the law to find a different way by selling debt that has been previously disputed and dropped from a credit report - all to restart a process- to target or harass a person they want to sabotage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Denefits LLC
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:
Good evening, DENEFITS LLC claims that the account opened is verified but it isn't. 
That isn't me in the recording, all the information that is " verified '' is not my current info. 
The address in the recording is not my current address. 
The last XXXX of the card used is not an account I've had. 
The only thing that's the same is my email. 
Also, they haven't uploaded any contract, they just uploaded what seems to be XXXX screenshots of of their internal processing my account. 
It doesn't prove anything. 
I have gone and said that this account is a result of identity theft and they have not proven otherwise. 
Please have them close this account and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NJ
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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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

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 2023-12-05
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: Information belongs to someone else

Complaint:
I like to file a dispute for fraudulent items liste on my credit report. I did not give permission for anyone to use my identity and I never signed up for these two items. The items are as follows XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  Also filing a dispute for inquiries that i never gave for permissible purposes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have filed an Identity Theft Report with the FTC. The report number IS XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX for XXXX, XXXX, & XXXX last updated on the XXXX of XX/XX/2023. 

This company reports a 30 day late without my consent. 
XXXX XXXX Acct # - XXXX Your company is in clear violation of the law, Under 15 U.S. Code 1681b Permissible purpose of consumer reports.

THE LAW CLEARLY STATES!

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I ever give you written instructions to furnish this account on my report?

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave written consent to provide information to any third parties about the reporting of transactions and experiences.

Delete the above late payment from my consumer report. This agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ]

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

XXXX 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 : 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 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 2023-11-14
Company: Denefits LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a XXXX XXXX training package. Part of the reason for the purchase was for the training. But the thing that caused me to purchase that training package when I did was that XXXX himself offered a loan through Denefits. 

XXXX positioned it for those ( like me at the time ) as a way to rebuild my credit. The promise was the Denefits would be reporting to all three credit companies. 

I purchased the package. Received the training. Made all payments on time. However Denefits reported only to XXXX ( and did not do that properly ) and XXXX, but did not report to XXXX at all. 

When I attempted to resolve this with Denefits by XXXX XXXX Complaint and phone, I was simply blown off. 

Original loan amount was {$4900.00} XXXX # was XXXX Furthermore Denefits did did not report the XXXX amount to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 my credit report, I have been disputing fraudulent items. The things are neither removed from my report nor do they appear to be under dispute. My credit score has been impacted by these fake things because the bureaus appear to be ignoring the pattern. If the things claim to be mine, I have asked that an investigation be opened and that verifiable documentation be provided. ENOUGH is ENOUGH for me! How much documentation is necessary to actually get someone to do something? ASK TO VIEW THE ATTACHMENTS! NOT IN ROCK SCIENCE, THIS! I've provided the documentation you requested. ANOTHER TIME, AGAIN, AND AGAIN! This is my final resort before I discuss this with my attorneys and file a lawsuit to recover all damages and money due. Please remove these items : 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