BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: Synovus Bank
State: DE
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:
First Progress Card was notified throughout the year 2021 in regards to inaccurate reporting to the bureaus. As a consumer who suffered from XXXX in 2021 and was protected under ( " CARES Act '' ) Pub.L. 116-136. First Progress Card was supposed to responsibility investigate and take proper action to determine if they made good faith efforts to investigate disputes. Whereas, this company did not. In XXXX, the consumer 's account was reported as 30 days late. Where payments were made and arrangements were requested due to  XXXX. XX/XX/2021 " First Progress Card '' reported the account as 30 days late again. Then 60 days late in XXXX and  reflected as current in XX/XX/2021. The discrepancies continued, where XXXX reflected 30 days late and  XX/XX/2021 as 60 days late. Then current in XXXX and  back to 30 days late in XX/XX/2021 and  60 days late in XXXX. Finally, with noticing the discrepancies and lack of support and good faith reporting during XXXX XXXX. First Progress Card was notified on XX/XX/2021 regarding suffering from XXXX personally in XXXX and attempting to recover. Whereas the correspondent stated to send a letter in via FAX to further explain that I had XXXX after providing account and identity information as requested regarding the account. Awaiting relief " Good Will '' letters and " Negative Item Reporting '' disputes were sent off to the bureaus on XX/XX/2021, and  again on XX/XX/2021. It was First Progress Card due diligence to investigate this account with good faith. Concluding, reporting more discrepancies with the account as follows being reported as current to  negative all in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Experian Information Solutions Inc.
State: VA
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:
I reached out to XXXX XXXX and Experian several times regarding unauthorized credit accounts, incorrect information, and unauthorized Credit Inquiries in all my 3 Credit Reports. I 've been given the run around with all 3 XXXX XXXX, and Experian, and their workers/Supervisors. I reached out also directly to the companies who 's information is listed in my Credit Report. They have me on hold for hours at a time trying to get this resolved. Then im being forwarded again back to the Credit Bureau to resolve the issue. They have a total of 3-6 fraudulent accounts in my report and 15 unauthorized & fraudulent inquiries in my report. I had place a credit fraud alert on my credit reports. And it was apparently useless. Because I was never notified by the Bureaus of these unauthorized accounts and/or inquiries being initiated and opened up in my Reports. XXXX also had a computer glitch. Which they inserted and reinserted these inquiries in my report. Again, I was never notified about this.

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 2021-12-08
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:
Chase is actively keeping me from making them investigate fraud. 

In XXXX, I mailed a check to my investment advisor and it was stolen in the mail, modified, signed by someone who is not the payee and then Chase bank paid out on the check. As soon as I discovered this, I called Chase. They transferred me to the claims department. They said that they had to mail me a form ( I could not get it any other way ) and return it. They told me that it would take months to do their investigation. So when I received it, I was surprised to see that the cover letter told me that my claim was closed until I filled out the form. I filled out the form, attached the requested documents, faxed and mailed it. 

Chase has refused to acknowledge receipt of my claim materials. I have tried to call twice, and the XXXX claims persons said they could not help. They would not offer an email, said that the number was right and said that they saw my claim number. They refused to give me their names and refused to give me an email to send it to. They told me to go into any Chase bank, talk to the manager, have the manager of a local bank fax it. They refused to give me any bank to go do, and just said " any bank ''. 

How do I get my claim received? Is this bad faith by Chase? Aren't they failing to investigate? Don't they know who cashed it and where? Why are they delaying their investigation? This claim should not be deemed closed at all -- I am actively trying to get their attention. Thank you for any help you can provide to get their attention. 

( p.s. I have attached a redacted set of documents with account numbers removed )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
CHILD SUPPORT IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREED TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE FEDERAL TRADE COMMISSION.

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 2018-01-18
Company: ID Analytics, Inc.
State: PA
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:
Although my FICO score is at or above XXXX, XXXX XXXX reporting agency caused my loan application for work vehicles to be denied two times by reporting a credit score of XXXX. Their online explanation reflects a different set of criteria used in developing the score, but lending institutions are either unaware of this difference or choose to not inform their staff. My credit report obtained from XXXX XXXX reflects zero late or missed payments and a minimum of debt to income, yet their low score is affecting my ability to operate my business in a competitive manner by reducing my lending options and most likely causing me to pay a higher interest rate than I should be paying. 
Something needs to be done to address this company presenting itself as a standard credit reporting agency when it is not.

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 2018-01-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have called ( In XX/XX/XXXX ) about these disputes even talked to the companies and they say I must deal with the credit bureaus. I was told they would all be deleted.

All the credit bureaus have or had fraud alerts yet I am never notified until someone tries to access my credit. Almost daily or weekly I am getting hit with inquiries. I know they are n't mine I have identified what belongs to me and attached to a open account.

Experian Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX attached to account-legit XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX attached to account-legit XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-12-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
As a matter of public interest, it is important to for the Consumer Financial Protection to know the reason sps never recorded the loan modification and as a result has no enforceability in the state of Florida. If you carefully review the loan it does not contain the legal description of the property but most importantly it can't be recorded because it was not notarized. Under XXXX XXXX XXXX XXXX a mortgage can not be recorded unless sign and notarized. This is the reason XXXX nor Select Portfolio record the instrument.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gXXXX also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX/XXXX/2018 I contacted XXXX, Experian and XXXX Customer service and fraud department to inform them that they are reporting inaccurate information on my credit reports which is affecting my scores. There are multiple credit Inquires that I did NOT authorize. I contacted the companies that reported the inquires, asking them to remove them because they are NOT authorized by me. They informed me to contact the credit bureaus in regards to having them disputed and removed. I 've been getting ping ponged between XXXX, Experian, and XXXX as well as the companies reporting the inaccurate information to no avail. I 've included a copy of my official FICO credit report highlighting the inaccurate information. I was already a victim of the Experian Data Breach Fiasco previously and I should n't have to continue to deal with issues like this. I am asking for assistance in getting this inaccurate information removed from my credit report because It is causing detrimental harm to my credit. I am in the process of purchasing my first home and to have to go threw this is ridiculous.

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 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018 I contacted XXXX, XXXX  and Transunion Customer service and fraud department to inform them that they are reporting inaccurate information on my credit reports which is affecting my scores. There are multiple credit Inquires that I did NOT authorize. I contacted the companies that reported the inquires, asking them to remove them because they are NOT authorized by me. They informed me to contact the credit bureaus in regards to having them disputed and removed. I 've been getting ping ponged between XXXX, XXXX, and transunion as well as the companies reporting the inaccurate information to no avail. I 've included a copy of my official XXXX credit report highlighting the inaccurate information. I was already a victim of the XXXX Data Breach Fiasco previously and I should n't have to continue to deal with issues like this. I am asking for assistance in getting this inaccurate information removed from my credit report because It is causing detrimental harm to my credit. I am in the process of purchasing my first home and to have to go threw this is ridiculous.

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 2021-02-17
Company: Commerce Home Mortgage, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried numerous attempts in trying to get assistance from Commerce Home Mortgage called their Customer contact number XXXX and left messages letting them know that I was having a log on problem and needed help from their technical department on getting my issue resolved. In logging on I keep getting my previous property in XXXX at XXXX XXXX XXXX XXXX, which causes problems in being able to make a payment to my new property at XXXX XXXX XXXX in XXXX in using the Home Mortgage Website. I have left numerous messages to no avail. I am currently being forced to rely on mailing out my payment and hope that the USPS delivers my payment to the correct address, I wish to send out my payment online using XXXX Home Mortgage Website.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX and XX/XX/XXXX, I hit a financial rough patch. A lot of this was due to unstable income due to XXXX XXXX  jobs I was performing. In XX/XX/XXXX, my car was repossessed. I quickly redeemed the repossession and had my car back within 72 hours. 

For 7 years, this haunted my credit report. In XX/XX/XXXX, I was giddy that the FCRA enabled this mishap to no longer limit my financial freedom. 

However, it required a complaint with the CFPB on XX/XX/XXXX to get the auto lender to respond on XX/XX/XXXX to me and the CFPB with : XXXX XXXX will honor ( my ) request to remove the redeemed repossession comment from his credit report. We asked XXXX XXXX to allow up to 30 days for the update to be reflected in his credit file. 

As of XX/XX/XXXX, this information was still present on at least one of my credit reports ( Equifax ). I have filed complaints with Equifax to no avail. 

The FCRA provides for this information to be removed from my credit reports. It has been removed from at least one and hopefully after this complaint from all 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit report has a collection account showing a {$5.00} balance from a water company. The water company says nothing is owed and it was paid a year ago. 

The collection company says the debt is owed and wo n't remove it from my report with the bureaus until an investigation can be completed. 

I 'm trying to purchase a home currently and this issue could cost me thousands of dollars in fees and a higher interest rate on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2018-01-18
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
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:
I disputed an error on my credit report previously. It was fixed at that time. Now XXXX has again messed with that same account and has this old, closed, satisfied account marked as LATE as recently as XXXX/XXXX/XXXX!!! The balance of this account has been XXXX since XXXX XXXX. It now shows a balance of {$4500.00}. 

I tried to dispute the error with this account AGAIN and I am told that I can not dispute it because it has previously been disputed. I called customer service and the employee became HOSTILE towards me. 

This account is WRONG. it is not late. It was satisfied and closed in XX/XX/XXXX. I want the account removed immediately and permanently. Even if it were to be fixed AGAIN, I no longer trust XXXX to not change it back. 

Remove SCHOOLSFIRST FCU " installment loan '' XXXX opened XXXX/XXXX/XXXX original amount {$6000.00} immediately and permanently from my report. I have proof that I have previously disputed this SAME account. I will be reporting every error from now on. I am sick of this. XXXX and XXXX have it right. XXXX IS TRASH.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Experian Information Solutions 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:
Dear CFBP I am filing a complaint against Experian for failing to properly investigate my dispute around errors contained in my credit report for XXXX XXXX account number XXXX XXXX & account number XXXX XXXX. I have sent a letter clearly stating the inaccuracies and requesting the accounts be removed from my credit report due to the errors. Experian has not made a good faith effort to investigate my claims nor have they forwarded any documentation supporting their position. I sent highlighted credit reports from Experian, XXXX  & XXXX  to contrast the payment history reporting. Its clear Experian has not fulfilled their obligations under the Fair Credit Reporting Act. They claim these two accounts have been investigated but the date of status has not changed from XX/XX/2016 indicating information was not updated or reviewed. I am requesting that the CFBP force Experian to meet their obligations under the FCRA and delete these entries for erroneous information. I have attached copies of the letter sent to Experian, My XXXX, XXXX  and Experian Credit reports and the Experian dispute results. 

Thanks for you help in this matter, 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 2021-12-08
Company: CITIZENS FINANCIAL GROUP, 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to  XXXX and RBS Citizens, NA to  have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021

Company response to consumer: Closed with explanation