BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I lived in the same house for 27 years and moved XX/XX/XXXX. I sent every creditor my change of address and logged it on an XXXX spreadsheet. XXXX XXXX was sent my change of address on XX/XX/XXXX. Mine and my husband 's credit scores were always within a few points of each other, around XXXX. His is XXXX right now. I had a XXXX XXXX Credit Card that I rarely used. In XXXX of XXXX I made a purchase of approximately {$40.00} on my XXXX XXXX. Apparently, they sent the bill to the old address in XXXX of XXXX, 16 months after I had moved from there. I had not charged anything during that time, so no bills were sent except this one for {$40.00}. The time limit had expired at the post office for forwarding mail, so it was returned to the sender, XXXX XXXX. No one ever called me, or emailed me. They had the phone number and email which had not changed. I was totally unaware they had sent a bill. In XXXX of XXXX, my credit was lowered on a couple of my other credit cards with a note saying to check my credit bureau for information on my account. I got a credit report and saw this blemish on my XXXX account and called them to inquire. They immediately patched me to Collections. I told her I was unaware and she practically called me a liar and was very rude. I had never been spoken to in this manner by anyone before. I paid the balance with interest and late charges added and had a {$0.00} balance when I called in XX/XX/XXXX. They kept reporting it as unpaid and in collections all the way to XXXX of XXXX, even after several calls to them. I have always paid my bills on time. When I checked my credit score it had fallen from around XXXX to XXXX. I explained that I had sent them the change of address card and had not charged anything in over a year, so had not received any bills. She was even more rude and even elevated her voice. She said they would not notify the credit bureau and the report was to remain. I have filed complaints with Equifax and they won't change it. I have another XXXX years before it is cleared. My score is up to XXXX, but it should be over XXXX and would be without this mark on my report. The way I look at it is : 1.  XXXX XXXX received the change of address card and did not process it, so it was their fault that they sent my bill to the wrong address. 2. If they looked at my record, they could clearly see my nearly perfect record, and something was not right. 3. They could have called or emailed me, but chose not to, even though I had an excellent payment history and had the card for 7 years. 4. I also sent a statement about this to Equifax to put on my credit report, but I have never seen it on there. I just want this blemish off my credit because I did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital I e is denied my SCRA on my credit card that was opened XXXX XXXX, 2014 while I was still XXXX XXXX. 

They state because my card was not opened before military service and I do not qualify. 

I would like to know if this is true and if so how can we fix this? 

A person on XXXX XXXX should be able to receive the SCRA on credit cards that are open during service. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Colony Brands, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is reporting to XXXX that I opened an account in XX/XX/XXXX and charged off {$60.00}. I believe I have reached out before because a update was done by them this month but still reporting a charge off with balance owed. It was opened the same month someone opened a XXXX account in my name. There is also a couple addresses on XXXX that are n't mine but one my ex gf. I moved out of state before those accounts were opened. XXXX refuses to remove themselves off my credit despite me disputing and I know they do n't have proof because it 's not mine. XXXX removed the balance I disputed couple weeks ago. I want this removed or I will be forced to take legal action.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-29
Company: ID Analytics, Inc.
State: NY
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:
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SageStream , LLC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Fax # : ( XXXX ) XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX   XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX,  XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX  ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, and XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate these occurrences.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The case number is XXXX its with XXXX XXXX. they are debt collectors it is for original creditor XXXX XXXX. ENDING IN XXXX THIS IS NOT MY ACCOUNT,. I never OPENED THIS ACCOUNT WITH XXXX XXXX. I get a letter from these people every month wanting this and wanting that. Again this is not my debt. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America XXXX XXXX XXXX XXXX FL XXXX XXXX Attn Disputes Dept XXXX XXXX I believe a XXXX called me to Harass me about filing my complaint on XX/XX/XXXX. 
Com [ plaint Number XXXX She called me and said we were being recorded but not to collect a debt. Then she mentioned my filing a formal complaint with you, the CFPB. 

I asked her if Bank of A was going to fix the problem and all she kept saying was double talk instead of direct NO, THEY WON'T FIX MY PROBLEM. 
I yelled and screamed at her to stop harassing me until the matter has been resolved and then she hung up. I hope she plays the recording to everybody at BofA because they are a do-nothing bank in my book. I've lost lots of sleep as a result of BofA. 

What nerve, calling me to scold and threaten me about filing a legitimate complaint. 

I want action, not harassing phone calls, how unprofessional. Looks like they fear the CFBP ... ... .Good and thank you. 
ALL I WANT IS FOR BANK OF A TO MAKE MY CREDIT REPORT READ THAT THEY WERE PAID IN FULL XX/XX/2017 AND THAT THEY ARE SORRY.

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 2019-09-29
Company: EQUIFAX, 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:
Have contacted XXXX  and XXXX about accounts verification and they have not provided me with any detailed information about any of my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
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:
Have contacted TransUnion and XXXX about accounts verification and they have not provided me with any detailed information about any of my disputes

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 2021-03-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I sent following email to Experian with the subject of " Correct my score " .I got these scores from Experian website and I paid them to get these scores. They sold it as three credit bureau score. And clearly written there they are based on fico score XXXX. 

In reply they sent me a email explaining the difference in score models. 
As you can see in the following email from them. And clearly ignored the real issue. 
that why there is so much difference in score when credit reports are similar, and were based on Fico score XXXX. 

Correct my score Hi, My credit report of Experian is identical to my credit report of XXXX, and they both are based on Fico score XXXX. My score at Experian is XXXX and my score at XXXX is XXXX. 
This is a difference of 46 points. This difference in my score is from almost 2 years since I started noticing that. 
My credit score at XXXX is XXXX. also based on Fico score XXXX. 

My question is please tell me why there is difference of 46 points. 

XXXX XXXX Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX regarding your FICO Score. 

We understand your concern that the Score you received might be different than one you received from a lender. 

FICO Scores are developed by XXXX XXXX XXXX. The FICO Score provided by Experian is based on the FICO XXXX scoring model. Many but not all lenders use the FICO XXXX scoring model. 

There are many different credit scoring models that can give a different assessment of the credit risk ( risk of default ) for the same consumer and credit file. Your lender or insurer may use a different FICO Score than FICO XXXX, or another type of credit score altogether. Just remember that your associated risk level is often the same even if the number is not. 

At present time my score at XXXX is XXXX and at XXXX  is XXXX But my score at Experian is XXXX when credit reports are similar. This is difference of more then 100 points. No matter what Scoring model is used here difference is very big. 

XXXX XXXX XXXX XXXX XXXX 
XXXX, Ca - XXXX ( XXXX ) XXXX XXXX XX/XX/2017.

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 2019-09-29
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: Their investigation did not fix an error on your report

Complaint:
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires consumer reporting agencies ( CRAs ) to adopt reasonable procedures for gathering, maintaining, and distributing information. Transunion is not reporting my XXXX account on my credit report. XXXX is in good standing and Transunion refuses to add it back on my credit report.Transunion says i disputed my account in ERROR. I have spoken with fingerhut several times and they have stated that my account is being reported to transunion every month and that transunion should be reporting my payment history in me credit report. XXXX is NOT A FRAUD ACCOUNT. this is a honest account. STOP ADDING FRAUD ALERTS ON MY CREDIT REPORT WITHOUT MY PERMISSION. STOP SENDING DISPUTES TO OTHER CRA 'S WITHOUT MY PERMISSION. STOP SENDING FRAUD ALERTS TO OTHER CRA 'S WITHOUT MY PERMISSION. Please correct your ERROR and ADD my XXXX account back on my report. This is ILLEGAL and i will sue in my state if this error is not corrected.

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. ... The law is intended to protect consumers from misinformation being used against them. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.Consumer reporting agencies may not report outdated negative information.In most cases, a consumer reporting agency may not report negative information

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 2019-05-05
Company: General Motors Financial Company, 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 information incorrect

Complaint:
I have 5 late payments on my account from gm financial. However these 5 are incorrect. Ive disputed it with 5 times and won each time but they never changed it like they were supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Greentree servicing called all times of the day and night harassing me re : payment. They sent a representive of theirs to my home. I was threatened if I do not get someone to send a payment immediately by wire transfer my son and I will be put out of the doublewide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Orions Management Group, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I only owed XXXX XXXX XXXX dollars. When I was goin to pay on my assigned date the electronic fund was goin to take place .they closed my account abruptly and sold it they said. I tried to get info on where to pay to avoid further problems and they did not know who it was sold to. Then a guy who harassed day and night and talk to me forcibly and told me I was goin Togo to jail said I owed XXXX dollars which I didnt. I wouldve paid this off already but its not fair theyre harassing me and now send me calls that they are the irs and are suing me and Goin to put a lien against me and its not even the right amount. They call me constantly saying they are goin to a judge in a few hours to have me deposed.or that they are the irs and are goin to take it out of my paycheck.or that theyre the govt and are trying avoid having me arrested and the call till XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found a 30 days late payment being reported. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

Also, I see inconsistency and inaccuracy on the way it's being reported. How can one credit bureau say that I was late on XX/XX/2019 and the other say i was late on XX/XX/2019 for 30 days ... Which one is it? Please correct/update for errors, and send me the updated 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 non-monetary relief
Consumer complaint received 2015-08-11
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I suffered a home fire on XX/XX/XXXX ... .unbeknownst to me XXXX XXXX XXXX allowed my insurance to lapse in XX/XX/XXXX .... Then they transferred servicing my mortgage to GREENTREE . GREENTREE activated a forced-place policy on my home and now it 's XXXX XXXX years later and I am constantly battling with them to transfer money allotted to me from the insurance company to rebuild the home. I have since purchased a manufactured home, disassembled the burnt structure, cleaned the foundation and installed the manufactured home on the foundation. During all this it 's been a constant back and forth, delays, no return phone calls, just a ridiculous amount of stalling to get GREENTREE to reissue the money that the insurance company had sent and was to be relayed back to me within 7-10 days ... ( their words ) .The latest issue is that they have had {$5000.00} to install gutters and buy materials and have me finish the basement. I have XXXX more projects to complete before the house is issued an occupant permit. One, finish the basement as it was previous to the fire, and two, install a rear porch. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX issued a check for {$5000.00}, to which I endorsed and relayed to GREENTREE. They received the chech the beginning of XXXX. I 've repeatedly called my account manager XXXX, and was repeatedly TOLD that she 'll review it in the next several days. I faxed proper documentation, which they require, W-9, Lien Release, for a portion of the job ... ( install gutters.. {$500.00} ) ... And have been waiting to hear either that she issued the check or something else is needed but have not heard anything despite numerous calls expressing frustration. I 'm appealing to you to please help me with this situation as is has become intolerable. I 'm just looking to finish the repairs on my home based on the estimate they gave me. GREENTREE is totAlly uncooperative in this matter and I 'm hoping you can help me resolve this as I became aware of the fines you imposed on them and that they 're being folded into XXXX ... .THANK YOU!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Eastern Account Systems of Connecticut, Inc.
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:
Someone has used my info and all the unpaid debts are on my credit. 

From XXXX XXXX. Not mine. Fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under Wakefield & Associates. I requested a validation on XX/XX/2018 as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2018 I sent a direct dispute to XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect 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 explanation
Consumer complaint received 2021-03-03
Company: Chime Financial Inc
State: NY
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:
Contact Chime via their in-app dispute to advise that I hadnt received an item purchased on my secured credit card. They refused to open a dispute in violation of TiLA and FCBA. I requested the address for billing errors and they will not be provide it. Have explained that not receiving goods purchased using the card is a merchant and billing error. The company is routinely failing to open disputes for myself and many others according to CFPB complaint database. Regulatory review is necessary here, we are under a new administration which values consumer protection laws.

Company response to consumer: Closed with explanation