BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington approved me for a short sale or DILF because I lost my prior job and had to move to XXXX, XXXX from XXXX and no longer live in the home. It is vacant. They again conditionally approved the short sale and we have received a short sale offer for the full price of the approved amount, {$460000.00}. The home was appraised by Carrington at {$550000.00}. The mortgage balance is {$580000.00}. Carrington initially approved the short sale but now has said VA Guidelines are denying the short sale. They told us that it was approved and even spoke to our sale agent and had him list the property. We now have an offer from a cash buyer and can not get our short sale to closing. Please investigate Carrington 's business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Starting in XX/XX/2019, PayPal Credit has either through A ) incompetence, or B ) deliberate intent, been delaying the posting of my mailed in payments, causing late fees to be charged. 

My XXXX payment was apparently " lost '' by the Post Office, according to PayPal. I have never had a piece of mail " lost '' in over 30 years. I spoke to a PayPal " representative '' multiple times that month. It became obvious that I was speaking to employees of a contracted third party, and was given no option to speak to anyone in the billing department of PayPal itself. 

On XX/XX/2019, I purchased a money order from my local post office, and sent the payment through the certified option. I received the confirmation receipt that the payment had been to delivered to the P.O. Box in XXXX, XXXX on XX/XX/2019. 

My payment is due the XXXX of every month. I checked to see if my payment had been processed multiple times over the next week, and it hadn't. I called PayPal on XX/XX/XXXX to see what was going on, and was given the same run around as in XXXX. Again, I was told it was a Post Office problem. On XX/XX/XXXX, my payment still hadn't been processed. On XX/XX/XXXX, I called them again, and was given the same run around, again. 

My payment was processed on XX/XX/XXXX, a full 12 days after it had arrived at their designated P.O. Box. Another {$38.00} late fee was charged to me. 

I spoke to another " representative '' today, XXXX, XX/XX/2019, to find out why it had taken so long to process the payment, and to have the fee waived. I was informed that the fee would be waived as a " courtesy, '' I still owed the inflated payment because of the late fee, and when asked who I need to contact to speak about billing and processing of payments, that there was nobody but his department. 

This is at the very least incompetence, or at worst, deliberate fraud ( theft. ) Either that P.O. Box is not being checked until someone complains, or these payments are being " lost '' or sat on deliberately to incur late 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 2023-09-08
Company: EQUIFAX, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: MI
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 recently reviewed my credit report.I am devastated to find out Im a victim of identity theft. I have found numerous accounts open without my knowledge. This has been hurting me for I am in the process of buying a home for my family. Please remove fraudulent accounts from my credit report. Thanks In advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello On XX/XX/2018 I made a purchase with my Citibank XXXX XXXX XXXX credit card to purchase a item online or the amount of XXXX Days later I received the package and it was a chewed up piece of gum in the package Have tried several times several ways to contact the seller but all attempts have been ignored by the seller Contact Citibank to file a dispute with them and was advised there is nothing they will do to assist I did authorize the purchase and can not dispute the charge with the credit card Was advised by Citibank that I would need to take this up with the local police and file a criminal complaint I could not believe what was being told to me - and the call ended

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 2018-12-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 I received a letter from Chase stating they had issued a credit of {$210.00} for a dispute filed with a charge from the XXXX XXXX on XX/XX/XXXX for {$210.00}. The letter further went on to state onXX/XX/XXXX the merchant provided a credit of {$210.00} and that they believed the credit to be a duplicate and thus reversed their original credit. I originally called into the Chase dispute customer service line to notify them the credit and disputed charge was not related. Chase requested I send in a letter requesting this dispute be re-opened stating this. As requested on XX/XX/XXXX I submitted a letter to chase with the return receipt which should have been issued a credit from XXXX XXXX but was not, as well as the receipt for second credit issued by the XXXX XXXX proving these were two separate transactions. As of a letter dated XX/XX/XXXX in response to a CFPB complaint, Chase still has yet to review or reply to the letter detailing the difference in the two transactions detailed in my letter and has failed to investigate my dispute or issue a credit for the disputed transaction. Thus they have violated the Fair Billing Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX {$11000.00} XXXX XXXX XXXXXXXX Account Closed Last Updated : XX/XX/2022 Credit Usage no knowledge of any closed account for XXXX, XXXX noone is responding to me, my credit score was XXXX 6 months ago and all of a sudden i have XXXX late payments from companies and accounts i dont know of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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:
I have tried repeatedly to go to Experian to rectify this identity theft problem. The latest one they told me is that I needed to upload the police report and copy of my driver 's license into their portal and when they get it they will promptly remove the disputed items. Their website does not let me upload the DL pictures and I don't know why. They are in black and white and under XXXX and it still won't take it. 

The items that need to be removed are now with an attorney and the card issuer is being sued and at this point, I am contemplating adding Experian to this also due to the lack of working with me and doing the right thing. I need these items removed from my report as they are fraudulent. 

I demand these be removed immediately and be blocked from reporting anymore as this is my right in an identity theft case. The other 2 bureaus have already done so and Experian is not complying. 

XXXX - acct number - XXXX XXXX XXXX - acct number - XXXX - {$1100.00} XXXX XXXX - acct number - XXXX - {$6000.00} XXXX XXXX XXXX - acct number - XXXX - {$3000.00}

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 explanation
Consumer complaint received 2017-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/XXXX a call was placed to Transunion. I spoke to two representatives. One outside the United States and one United States representative. I am a XXXX veteran, a victim of identity theft and recently notices many unauthorized inquires on my consumer credit report. I also have a fraud activity alert on my file and have not received notice of new credit inquiries. These representatives would not help me with this issue. Inquiries include : 1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX/XXXX- XX/XX/XXXX 4. XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX XXXX- XX/XX/XXXX 7. XXXX XXXX- XX/XX/XXXX 8. XXXX XXXX -XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX 10. XXXX XXXX- XX/XX/XXXX 11. XXXX XXXX- XX/XX/XXXX 12. XXXX XXXX- XX/XX/XXXX 13. XXXX XXXX- XX/XX/XXXX 14. XXXX XXXX- XX/XX/XXXX 15. XXXX- XX/XX/XXXX 16. XXXX/XXXX- XX/XX/XXXX 17. XXXX/XXXX- XX/XX/XXXX 18. XXXX XXXX XXXX- XX/XX/XXXX 19. XXXX XXXX  -XX/XX/XXXX 20. XXXX XXXX- XX/XX/XXXX 21. XXXX XXXX XXXX-XX/XX/XXXX6 22. 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 2023-08-23
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:
This is my 12th 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
****SEE ATTACHMENT PLEASE***** Dear CRA Manager ; Happy XX/XX/XXXX! Im little shocked on your method of investigation actually I dont even understand your method of investigation. Ive disputed this account several times due to several inconsistencies, errors, incomplete and misleading information on the way its reporting, but for some reason it always comes back as VERIFIED. Its impossible that your agency performed a truthful investigation into this XXXX CC Account because it continues to report those misleading information highlighted below. For example, XXXX actually removed it due to those violations, but you continue to reported 2 different dates of last active ; last payment, different date last reported, and high balance should be higher than the actual balance, etc. Its impossible that you can say that this is reporting accurate! Look at the report, and even the balance is questionable.

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 2023-08-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2019-03-13
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
DIVERSIFIED CONSULTANTS a XXXX, Florida-based collection agency erroneously reported an unpaid debt of {$270.00} for a XXXX/XXXX cable bill to the major credit agencies. For many   months, XXXX/XXXX simply refused to send me a final bill to allow me to pay. They ( XXXX/XXXX  ) then reported the debt to DIVERSIFIED CONSULTANTS without notifying me which is illegal in the state of California. Once I finally got a final bill -- which took many months -- I immediately paid it in full. DIVERSIFIED CONSULTANTS never attempted to contact me about this, they simply reported it to the credit agencies and damaged my credit -- which was otherwise perfect. I have now been rejected for a home mortgage based on this fraudulent claim. I have contacted XXXX/XXXX cable dozens of times in-person, by phone, and by email to demand that they contact their collection agency and rectify this ; but, so far, this has not resulted in the removal of the false claim from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: CA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2021-04-14
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: Information belongs to someone else

Complaint:
I have called Equifax numerous times to take these 2 closed accounts off my credit XXXX consumer and XXXX These are fraudulent accounts thats are not mine and i demand Equifax to remove these accounts immediately

Company response to consumer: Closed with explanation