BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: EQUIFAX, 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:
I am writing to express my continued frustration and concern regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. 

The late open accounts that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I initially reported these inaccuracies to your agency on [ mention the date of your initial dispute ]. At that time, I provided all the necessary documentation to demonstrate that these late payments were not valid or were the result of extenuating circumstances. However, despite my efforts, these late open accounts continue to be inaccurately reported on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. 

I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history.

Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies.

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the correction of the late open accounts on my credit report. Please consider the significance of this issue and its impact on my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have had this store card company report negative information on my credit reports. The problem is that I have never applied for a store card with this vendor. I tried disputing it with the store and also on my credit reports. The store says I have used the card for 2 years and that there were payments. I have tried to tell them that they either have the wrong person or that someone is using it fraudulently. I have also told them that I don't even shop at that store. This account shows an address that I used to live at but currently don't. I advised them that maybe someone whom purchased the resident may be using my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Ocwen Financial Corporation
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am filing this complaint because the company PHH/Ocwen loan servicing has been falsely reporting on my credit report. We entered into a modification agreement a year ago. Since then PHH/Ocwen has continued to report that we are 120+ days behind on our mortgage. I also, started preparing for a loan under my company that I own. When my financial consultant noticed Ocwen flagged my credit report for deed in lieu. Which is basically stating we lost our home or was about to under foreclosure. This never happened. We worked out the modification and have never missed a payment since. I have contacted the company to have the remove this information. PHH/Ocwen did the research and said in a letter they did not do this and if I had evidence supporting my claim ; to forward it to them. I did so through certified letter. I reached out after 35 days later after no response. PHH/Ocwens customer service people advised they did not see anything in the system receiving it or correspondence further than the original denial letter regarding the Deed in lieu false reporting. This is hurting my personal credit and hurting my business from moving forward. I would just like to have this corrected immediately. This just appears that they are attempting to keep customers held to them because my destroying their credit they can no longer go any where else. 
I have tried to fix this issue with experian credit reporting. However, PHH/Ocwen says they did nothing wrong and experian goes along with them. Denying my claim and failing to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: JPMORGAN CHASE & CO.
State: WY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit card was fraudulently opened in my name with JPMCB on XXXX. Initial dispute reported XXXX, reference # XXXX, when I was made aware of charge off. I was told that it would be resolved and removed from my credit report, was removed from XXXX and XXXX but not experian. Filed another dispute with experian and chase XX/XX/2023, no communication from chase and experian dismissed my request. Filed identity theft report to federal trade commission XXXX, FTC report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten 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 2023-05-19
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: 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2021-12-21
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
It appears Truist manipulated debit purchases to hammer me with overdraft fees. I went to bed last night with a balance of {$80.00} in my checking account. Some transactions were still pending however my balance already reflected what was already taken from my account. When I woke up I checked my account and It was overdrafted by {$2.00} however they charged me XXXX in overdraft fees. This isnt the first time Ive assumed something shady has happened. I strongly believe Truist like many other banks manipulate debit card transactions to maximize their profits from common people like myself with overdraft fees.

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 2021-01-25
Company: EQUIFAX, 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:
I disputed that the date was wrong on my bankruptcy were wrong with XX/XX/XXXX and uploaded paperwork and asked for them to remove said item. They updated the bankruptcy to a different date and it is still wrong. They have not VERIFIED anything at all and is putting false information on my credit report and I want it to be deleted ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, 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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Hi My Father asked me to promise him that I would sell his property while in XXXX Soon after he passed. I have the Paid in Full Letter from Dovenmeuhle Mortgage Company. 
After almost 2 years of back and forth they can't find the letter, now investigation going on. They didn't know I knew Hud helped him to pay it off. they said it was sent to XXXX. They denied it. I then sent them an email XX/XX/2022, about the Loan Modification application with the help of the Hud office, that they had finally approved that the Loan had been Paid In Full, from them. I have been receiving citations because the property is really fallen apart. 
I just want them to give me the Release of the Property so I can go to settlement. 
please help me Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Synchrony Bank of TJX is closing my account due to a auto payment that was returned for no funds. 

I have a new bank account, updated Synchrony Bank account two months ago with new account information in XX/XX/XXXX across all 3 accounts. My account was obviously hacked since the auto withdrawal was taken out a day before the payment was due XXXX. The Auto Payment is due to come out XXXX at midnight. Erroneous payments were shown to have been made on XXXX which did not happen as well. I called on XX/XX/XXXX to pay {$200.00}. to settle this issue. 

This is the first time this has happened to me with Synchrony Bank. I have been a customer with this bank for over 10 years. until this terrible year, my credit was OUTSTANDING. I've always paid the full amount on all my credit cards until COVID. 

This is not my fault. My account has been hacked again, I have someone in my life who is stalking me. I am pursuing this issue with the XXXX  XXXX XXXX XXXX. I believe Synchrony Bank is involved with this individual on this issue since their quite motivated to close my account after one issue ; someone, and I know who this is, paid them off. 

This criminal who has been pursuing me for 15 years has gone to no end to ruin me in every direction of my life with endless income and all the time in the world, spending day and night making my life miserable. 

Legal Counsel has been contacted and will be acquired once I am prepared to take this on. 

Synchrony Bank needs to be on some kind of watch list if there is one. This is a criminal issue and this bank is involved with who is pursuing me.

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 monetary relief
Consumer complaint received 2018-09-24
Company: Patient Accounting Service Center
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called arstrat phone # XXXX because I got a bill from them in my name as the responsible party for another person. I have no children. They advised I had to pay it because was my insurance I advised party involved is not a minor and is an adult the amount owed would be collected from responsible parties being the persons name, not I. The stated that I would have to pay because they have me listed as so. I explained again I am not responsible for that other parties debt. They advised that I go and get the monies from them to pay the bill. This is not my job and I am not going to do that I do not want this company sending me any more letters or calling my phone. I am not the responsible party!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX  XXXX : {$330.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$470.00} ; XXXX XXXX XXXX XXXX  Balance : {$570.00} ; XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX : {$1200.00} ; XXXX XXXX Balance : {$12000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My recent mortgage servicing was transferred to Select Servicing Portfolio ( SPS ). I went in and registered for an online account. When I went to make my first payment it AUTOMATICALLY included a {$15.00} processing fee. I followed up with SPS over the phone who informed me that the ONLY way to avoid a servicing fee is to set up automatic payments ( which I do not want to do ) or pay through my billpay on my online banking account. How can it be legal for them to charge me fees to make my mortgage payment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of identity theft, errors on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Community Health Investment Company, LLC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been dealing with XXXX XXXX since XX/XX/2016 which required XXXX, major XXXX with complications and multiple subsequent XXXX of which I still have 2 more to go. I had 2 medical accounts that were sent to a collection agency by my hospital when I was trying to set up arrangements with them. They told me it wasn't a real collection agency and wont affect my credit report. So I just went with it and made arrangements with the collection agency to pay XXXX per month on both accounts. The balance on the accounts were XXXX and XXXX approx. I said I would like to pay online and that was agreed upon. From time to time the payment would not be accepted, saying I was not paying enough money even though I was putting in a payment for XXXX as agreed upon. So I had to call. They tried to tell me the payment was late which it was not. This happened a number of times and I got so sick of calling to have them reset things. Sometimes I just paid the additional amount they were asking for but I couldn't continue to do that. I have been paying down 4 other medical accounts, my son also needed XXXX  XXXX in the middle of this .... It had become time consuming to handle all the paperwork and I wasn't feeling well. So in the middle of a bad month, it happened again and by the time, I had a chance to call, the payment was then late. As soon as that happened, of course, they reported it to my credit which I only learned about yesterday. I called yesterday and got blamed again for paying late. I was talked to like a child which made me so mad. Especially after the person I spoke with said something that I called her out on being untrue and then she completely contradicted herself. I told her that if this is the way they treated me, I won't be paying them off first and to bump me down to XXXX a month. So today I went to apply my payments and both accounts come back saying I owe more. So I called again and now I'm being informed that XXXX payments won't be accepted online. My options are payments by phone or mail a check. Phone payments are not secure and I do not trust mailing a check for a lot of different reasons. It seems that if they are in the business of collecting money, they would accept anything that was being sent to them. I've been spoken to in a disrespectful and passive-aggressive manner which has tried my patience and reduced me to angry words. Today they hung up on me which left me sobbing. I am trying to get my life back on track from the past 2 years and emotionally struggling and this feels like a kick in the gut.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: MD
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:
Previously, I made an investigation about these items with incorrect information and after checking your responses, I recognized that the same items are still incorrect, with a confirmed status. Please correct the following items listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief