BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-18
Company: ACS Education Services
State: SC
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 have been corresponding back and forth with ACS/XXXX  and now Conduent for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( XXXX, XXXX and XXXX XXXX ). 

Conduent is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from ACS notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to Conduent, they said that the payments were already scheduled forXX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by Conduent and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
In accordance with the Fair Credit Reporting Act XXXX account, XXXX has violated my rights A HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not sign giving permission to have my personal information 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/17 I submitted documents to all 3 credit bureaus to remove negative marks on my credit that do not belong to me. I requested validation of these debts because there is no contract on file showing that I owe these debts at all and still haven't received a reply from them. This is a clear violation of my rights and these items should be removed from my credit profile 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 non-monetary relief
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX  and Transunion have been given dispute letters contesting Bankruptcies reporting on to the credit report. 
Transunion/XXXX  are reporting a false address as current address.

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 2022-08-15
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
I am filing a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received the results of my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: NJ
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:
I have 2 previous addresses that are totally wrong I never lived there and there are 3 charged off accounts that are not correct that status is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Mortgage lender Regions Bank, XXXX GA, violated the FTC Safeguards rule by sending my entire loan application with account numbers and social security etc via unsecure email attachment with no password protection after I asked them to fix secure transmission and explicitly told them not to email the application with no protection. FTC website sent me here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
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: Credit inquiries on your report that you don't recognize

Complaint:
OnXX/XX/18 I was alerted that I received a hard inquiry on my credit report. I didnt sign up or approve anyone to check my credit report on XX/XX/18 but I got a hard inquiry. I called TransUnion to inform them that their is a duplicate hard inquiry in my report. I informed TransUnion that it wasnt me on XX/XX/18, I  asked TransUnion to remove the duplicate inquiry because its against FCRA guidelines to display inaccurate or false information about me. TransUnion denied me the right to dispute the inaccurate information. TransUnion asked for me to get a letter from the bank and the bank doesnt give out letters like the one TransUnion asked for. This is an error on TransUnions part and they refuse to fix it.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX REMOVAL BELOW Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To XXXX XXXX XXXX concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section XXXX ( a ) ( XXXX ). 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX Made by your company XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) XX/XX/XXXX Made by your company SYNCB/LOWES on XXXX XXXX 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX XXXX. 

Made by your company XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX ) XX/XX/XXXX Made by your company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Made by your company XXXX ( Bank ) XX/XX/XXXX Late payments ACCOUNTS : Need removed BELOW. 

XXXX XXXX I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 XXXX XXXX  with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX with account number XXXX Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 

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 2022-08-15
Company: Experian Information Solutions 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:
On XX/XX/2022, I sent a letter regarding inaccurate/unfair items on my report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. As per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), you HAD 30 days to complete your investigation. It has been well over 30 days and you've failed to verify these items. Under the FEDERAL LAW, unverifiable accounts must be DELETED. I demand these accounts to be REMOVED before legal action is taken.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a few inquiries on my report I do not recognize

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 2018-05-18
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: Old information reappears or never goes away

Complaint:
The amount is {$700.00}. I disputed this and The account was deleted and then sold to other company and no it has reappeared on my credit. I was not notified about this. Please delete. It was put on my credit on 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 2018-12-18
Company: Nelnet, 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: Account status incorrect

Complaint:
I had 7 student loan account with Nelnet. They were transferred over to collection ( they have since been paid in full ). However on the credit reports for XXXX and XXXX, the status shows as currently 120 days late even though the account was transferred and no balance is owed. I have disputed the incorrect status with XXXX and XXXX only to have Nelnet confirm its accurate. I called Nelnet directly and asked the to correct the status and the stated that because it used to be over 120 days late they are not obligated to correct the current status. There is no balance owed to Nelnet. The account was transferred. The CURRENT status should state account was transferred. I am NOT currently 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I.Q. Data International , Inc., is the collection company that had sent me a notice for over {$11000.00} on XX/XX/XXXX for a debt that I had hired an attorney for. My attorney sent a letter on XX/XX/XXXX indicating they not contact me as the debt was entirely being disputed. The original creditor XXXX XXXX XXXX was sent several certified letters on XX/XX/XXXX. XXXX XXXX XXXX. They were given 30 days to respond and they did not. 
XXXX XXXX Managing Director, XXXX XXXXPresident , XXXX XXXX XXXXXXXX-President , among others never replied to my attorney, XXXX XXXX XXXX 

On XX/XX/XXXX I received a notification that there was a collection placed in my credit profile. I was able to get the name and number of the collection company and they indicated that they sent a notice ; however, it was only sent 10 days prior for a different amount than was originally reported. IQ sent the new collection for {$3000.00} on XX/XX/XXXX. I had not even seen the letter as it was sent to my attorney. On XXXX XXXX, XXXX they had already placed the collection in my credit profile without giving the required 30 days to dispute the new amount. 

My complaint is against XXXX XXXX XXXX and I.Q. Data International, Inc. It is my opinion that the matter was not handled  properly therefor now appearing as a collection in m y credit report. I have taken care of my credit and now there is a blemish in it. 

I have all the correspondence to support my complaint. 
I respectfully request your assistance and guidance on how to resolve this matter. 

Kind regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my home and obtained a loan through Fifth Third Bank. I specifically chose Fifth Third since they had my original mortgage for 14 years and I knew they did not sell their mortgages. Selling of my mortgage is a concern due to the recession in XX/XX/XXXX. Several times during my conversation with Fifth Third mortgage employees and customer service representatives, I mentioned that being a consideration of mine in choosing to refinance with Fifth Third and the employees did not refute my statement. I received a letter yesterday, XX/XX/XXXX, from XXXX XXXX telling me my Fifth Third mortgage had been sold to them. I do NOT want XXXX XXXX to have my mortgage. What recourse do I have? 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I got a settlement ; 3 years ago I got a settlement from XXXX for wrongful termination. I took a {$50000.00} settlement, instead of XXXX to XXXX with a free attorney. Due to being homeless I was desperate and took the lower amount, the settlement checks came in two parts, one for XXXX and one for XXXX. The first one I cashed and bought a car. I owed XXXX on the balance of the car, paid bills, ect. My XXXX check came and I attempted to cash it at Chase bank on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Instead of Chase offering me to open my own account, I signed the check over to the car dealership owner, the man who operates XXXX XXXX XXXX which is located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Phone number XXXX that I bought my car from per the advice of the bank teller in order to cash it and receive my direct cash. I have a witness to all these statements if needed. They said the check did not clear right away, and that they would transfer the funds from the Car dealership man account to a separate account when the check cleared. But they did not return my check to me when I left that day ; looking back they should have when the checks funds could not be verified. Chase did eventually divert funds to an account in my name, but not for the correct amount, it was XXXX short. Due to being homeless, I and having a diagnosed XXXX  XXXX that prevents me from understanding things clearly, having no mail, email, po box . I had no access to information about my account. So recently, I inquired about {$3000.00} I put into a 3 year CD account. I was told to come in and show ID on the account. Upon doing so, I entered the branch on XXXX XXXX XXXX and XXXX in XXXX XXXX CA. I requested copies of the account, and the teller had an issue with retrieving the statements on my entire account including the CD account and told me to come back later that day. They did give me the statement, refused to answer any further questions, and even turned away my direct deposit check, and told me that they would no longer want to do business with me. I Called Chase before on a balance on my account, and they said there had seemed to be a lot of fraudulent activity on my account. They refused to give me a copy of my original {$40000.00} check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent equifax a letter And an FTC report on XX/XX/XXXX. 
The inquiries were clearly stated in the ftc report. 

On XX/XX/XXXX - 4 of the items from my FTC report were deleted due to dispute. 
They left the items reported on my FTC and on my credit profile. 

On XXXX -I called Equifax about the inquiries that were left on my report but were disputed on FTC.. and they are saying that they can not tell the date of the inquiry when the date of the inquiry date is on credit report. I have asked them to delete the items by law. They deleted 4 without having dates on FTC report as mentioned on XX/XX/XXXX ; but now are making up rules that the other inquiries that were disputed need dates on the FTC report when they the dates are on the credit report. 

XXXX XXXX XXXX XXXX Were the employees I spoke to on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: VA
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 XX/XX/2022 a letter was sent to Experian to inquire about why a public record was reporting on my credit and their response was that XXXX XXXX had reported the account. On XX/XX/2022 I followed up with a letter and included the XXXX XXXX report as well as a letter from the United States Bankruptcy Court to prove that the information that Experian claimed was correct, was not factual. Experian did not respond to my investigation. On XX/XX/2022 I again wrote them a letter, and sent via certified mail, stating that they are reporting incorrect information due to their method of verification and to immediately delete this incorrect reporting. They responded on XX/XX/XXXX stating that they had verified with XXXX XXXX that the information they are reporting was correct even though I once again provided the proper documentation to prove that they did not investigate. As my final attempt, I wrote a letter via certified mail requesting the removal of the incorrect information dated for XX/XX/2022 and mailed on XX/XX/2022. By XX/XX/XXXX, LESS than 6  Business days, they had already investigated and closed my dispute. I am concerned that during the 6 months since my initial inquiry, Experian did not in fact investigate my dispute and instead made a decision without any factual information causing me to have a lower credit score and affecting lending decisions.

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 2018-12-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
An XXXX man contacted me through XXXX! I accepted his friend request. We continue contact each other with another application names XXXX. I felled in love with him and then he told me he need money to put a XXXX business. I sent him {$2000.00} by Money Gram. He lives in XXXX XXXX and his name is XXXX XXXX XXXX XXXX. The Reference number from the money gram was XXXX. I called to Money Gram company and I make a report as soon I sent this money and I realized this guy just use me like an object. I also contact this company on XXXX-18 to follow up my complaints but they told me that I lost my money and they didn't rebursement any money. But I want also to prevent that other women 's been in the same situation to know foreign guys through internet.

Company response to consumer: Closed with explanation