BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX  Accounts XXXX XXXX XXXX  ( XXXX ) Amount {$1600.00}, XXXX XXXX ( XXXX ) Amount {$3900.00}, XXXX XXXX ( XXXX ) Amount {$1200.00}, XXXX XXXX XXXX XXXX ) Amount {$960.00}, XXXX XXXX XXXX XXXX ( XXXX ) Amount {$3000.00}, XXXX ( XXXX ) Amount {$2100.00} has violated my rights. The above accounts were previously disputed XX/XX/2022 and have not been deleted from my credit report.

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.

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 2020-04-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/XXXX I mailed a 2nd letter to Experian requesting inaccurate information be removed from my credit report. I was notified on XX/XX/XXXX that the information was received and I could view the results online. As I logged in to the view results I was advised I could NOT view results online and needed to call. I called In and was advised they could only update my address and then the new updated address is still INCORRECT! My address is XXXX XXXX XXXX XXXX, GA XXXX. I enclosed a copy of my drivers license, social security card and utility bill AGAIN and they have still refused to remove addresses that are not deliverable to me. From my understanding of the state and federal laws of reporting that no entity has the right to retain, report, transfer, sell or utilize any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and any not compliant information. 

I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any other addresses to be retained or reported, I am requesting Experian delete them NOW or produce proof of their legitimate authority to retain much less report inaccurate without infringing my consumer rights. 

The addresses Experian has listed are NOT DELIVERABLE TO ME and I am requesting the IMMEDIATE removal for the following addresses again : Address # 1 NO LETTERS XXXX, GA XXXX Address # 2 XXXX XXXX XXXX XXXX, Ga XXXX Address # 3 Unknown, XXXX, GA XXXX Address # 4 XXXX XXXX XXXX, XXXX, GA XXXX The removal of unverifiable and inaccurate information is a violation of federal statute!

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 2022-06-24
Company: Experian Information Solutions 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 XXXX ACCOUNT # XXXX This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ).

It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ).

You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account 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 2022-06-24
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing services my mortgage, which includes monthly escrow payments. Fay failed to pay my insurance bill when due on XX/XX/XXXX, and I only found out about this as I was doing a routine check on my insurance coverage. My policy expired on XX/XX/XXXX and is currently in its grace period through XX/XX/XXXX. 

I then contacted them the week of XXXX regarding their failure to pay my insurance and uploaded a copy of the invoice and policy to their site, as requested. They still failed to pay the invoice, instead sending a letter regarding force placed insurance. So, I contacted them again on XX/XX/XXXX and emailed the same info to one of their customer service reps who informed me that he would make sure it was addressed. After following up multiple times on XX/XX/XXXX and XX/XX/XXXX, I was finally advised that payment was made. However, to date ( XX/XX/XXXX ), XXXX XXXX still has not received any such payments, so I paid the bill myself on XX/XX/XXXX to avoid a gap in coverage. 

Due to Fay 's incredibly poor servicing practices, I nearly lost coverage on my property, causing both exposure to me and the actual lender. Fay 's failure to pay the XXXX XXXX invoice out of escrow proceeds and then attempting to force place insurance on me is wholly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Sequium Asset Solutions, LLC
State: AP
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Complaint is against Sequium Asset Solutions. 

XXXX XXXX XXXX continued to charge me for an account I did not intentionally open. On multiple occasions I attempted to cancel the account and refund charges. The account was closed and refunds discharged in XX/XX/2021. On or about XX/XX/XXXX a new charge for {$330.00} appeared on the account even though it was closed. I was unaware of this charge and later unaware that it was referred to collections because I suspended all service with XXXX XXXX XXXX due to military service. 

When I emailed Sequium to contest the debt in accordance with their notice ( which I eventually obtained via mail forwarding ) I received no response. I contacted them 3 times, once via their online system and twice by phone. I was told on the phone that they would address my contest of the debt with XXXX XXXX XXXX. 

After finally making headway with XXXX XXXX XXXX whose support team determined the charges were incorrect I was able to have the amount due cancelled. The debt is effectively resolved. 

But.. prior to this I received an email with a from line of XXXX XXXX XXXX Mobility but was emailed from XXXX as a reply to my request to contest the debt that read " Thank you for reaching out to us about your account. Attached is your final bill of {$330.00} which also includes detailed balance information. You may visit www.sequium.com to make a payment using your debit/credit card or checking account. Please feel free to reach out to us if you need additional payment options. 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. '' It is clear that Sequium repeatedly willfully ignored my requests to contest the debt, failed to communicate properly with the status of my contest of the debt, demanded payment instead of respo ding to my contest, and possibly failed to allow me to contest it at all ( because rhey did not communicate confirmation or status ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2022-09-19
Company: Experian Information Solutions Inc.
State: AL
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 XXXX 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4800.00}

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 2022-04-24
Company: EQUIFAX, 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:
company has violated my rights to privacy 15 U.S.C 1681 section 602. A states i have the right to privacy 15 U.S.C 1681 Section 2 - It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: CORELOGIC INC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am XXXX XXXX XXXX, with the help of my wife of 10 years, we have been getting removed incorrect reporting pertaining to MY ( XXXX ), prior mortgage that went through and was XXXX  two years ago ( XXXX ), as a XXXX bankruptcy. We are uploading the information now and ask that ALL mortgage lenders acknowledge the correct information as it is. Core logic, Credco is one of the main credit reporting agencies that is not reporting the already corrected information pertaining to my ( my wife, XXXX XXXX XXXX ), was not or ever on the Mortgage Note, or Account. Thank you for expediting this issue that is keeping me in harms way and causing potential homelessness as my rental lease is up in a few months and I need to purchase a home now. Best Regards, 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 2023-08-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The account in question in the " XXXX  '' on my Experian Credit Report. I have disputed this account twice, once in XX/XX/XXXX and once in XX/XX/XXXX. The account was sold to a collection agency on an unknown date and the original account in question is shown as " closed, {$880.00} written off ''. This account is currently showing the last payment made to be on " XX/XX/XXXX '', which is almost XXXX  years and XXXX months ago. This should put the account as delinquent in XXXX of XXXX  ( still passed the 7-year limit ). I have contacted the original creditor and they do not have any account information including payment history or when the account was sold to the collection company. My understanding is that a charge-off account stays on your credit for 7 years past the date the account goes into delinquency. This was confirmed to me on the Experian website in an article they published about " charge-off accounts '' which I've attached below in the documents. I believe they are treating this account like the collection account It would have been at the collection company which would have stayed on my report for 180 days after delinquency plus the XXXX  years had it not already been removed by the collection company. This account has already been deleted from XXXX of the XXXX credit report agencies.

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 2022-09-19
Company: EQUIFAX, INC.
State: AL
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 Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Fraudulent accounts reporting on my TransUnion XXXX XXXX XXXX credit reports. 

TransUnion XXXX XXXX XXXX {$9700.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$46000.00} XXXX XXXX  XX/XX/XXXX {$17000.00} XXXX XXXX XXXXXX/XX/XXXX {$5100.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1600.00} XXXX  XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX  XXXX  XX/XX/XXXX {$9700.00} XXXX XXXX XXXXXX/XX/XXXX {$1200.00} XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Bank # XXXX XX/XX/XXXX {$390.00} XXXX XXXX # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX. {$46000.00} XXXX Bank # XXXX XX/XX/XXXX. {$5100.00} XXXX Bank # XXXX XX/XX/XXXX {$8000.00} XXXX XXXX  # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$1600.00} Inquiry XXXX XXXX XX/XX/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 2022-07-27
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-21
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection is not from the original creditor. XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices for over {$2000.00} the collection is reported as past due. I do not know this company. I have never done business with this company. This company does not have my contract signature.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There was a mixed credit file that I became aware of back in XXXXXXXX XXXX XXXX After years of fighting with the credit bureaus and sending over documentation to correct this issue, their negligence has caused so much distress. Credit card companies, hospitals, debt collectors, etc have confused my identity with someone else because of this mixed credit file. We have had multiple situations like XXXX XXXX merging my credit card account with someone else. I have also had hospital bills put in other persons name/insurance. I could not resolve the issue because my personal medical information was under someone elses social security. Some of these hospital bills took months, years to fix, thus preventing my insurance company from back paying these bills due to a limited time period after my social, name, address was verified and adjusted. I have filed disputes with the bureau regarding some collections and false credit reporting and have been denied any kind of resolution. Hippa complaints have also been filed. The bureaus have compromised my identity, personal information, and privacy due to irresponsibility/negligence. We have consulted with an attorney for a possible lawsuit but have not yet hired a legal representative.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX The following accounts : XXXX XXXX XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX, Date opened XX/XX/XXXX XXXX XXXXl XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX, Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, Opened XX/XX/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.

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