BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: ECMC GROUP, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX/ECMC is reporting false and inaccurate things on my credit report. They sent me a promissory note stating that I signed on it. I have attached the promissory note there is no eligible signature on there. There are just letters. This is not my account. Looking through the promissory note you can clearly see that there are other false and inaccurate information which is a violation according to 15 USC 1681. I attached the response that they sent me on the CFPB. I highlighted all my responses throughout this response. ECMC response violated many different laws. This is not my account this is inaccurate information on my credit report. Any inaccuraries on my report should be removed off of my consumer report. Any inaccurate or unverifiable information should be deleted off my credit report immediately according to 15 USC 1681 5 ( a ) ( 1 ) immediately! I have attached the promissory note, affidavit of Truth, ID and SSC, cease and desist letter.

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 2021-09-12
Company: Chime Financial Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021 {$2000.00} was transferred from my chime bank account to another person chime account! They stole my phone and was able to log in and transfer all my savings. I have filled a police report advices chime of the fraudulent/unauthorized activity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON XX/XX/XXXX I WROTE AND SENT A LETTER XXXX  XXXX, AND EXPERIAN. TELLING THE TO PLEASE REMOVE OFF OF MY CREDIT REPORT. TO THIS DATE I HAVE NOT RECEIVED ANY INFORMATION. I HAVE TRIED TO REACH OUT TO THEM AND NO ONE HAS BEEN ABLE TPO HELP. ME. I WILL ATTACH ALL THE DOCS THAT I HAVE MADE AND SENT.

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 2021-09-12
Company: RS Clark and Associates, Inc.
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:
I have disputed this with R S Clark and Associates requesting validation, not verification. Instead I received a letter stating that they were sure it was me. I spoke with the tenant that moved in right after I moved out of my unit at XXXX XXXX so I know this entire replacement of carpet is incorrect. On top of that I didnt leave the base for 3 weeks after I moved out of the unit and could see what was being done. R S Clarke & Associates requested that I send documentation proving I didnt make these charges. How can I prove that? I have attached emails and the doctored second move out inspection that XXXX signed on his computer after the one that said I had a refund. As you can see it says both which makes no sense. Please delete this off my report because it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX  XXXX XXXX  0n XX/XX/19 has an Inquiries on my credit files in which I did not apply for any new credit or ask for any increase in credit.

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 2017-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, XXXX and XXXX XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: WELLS FARGO & COMPANY
State: NE
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:
My husband and I are trying to get a mortgage loan through our Credit Union, when my credit was pulled I had no score on XXXX and through some investigating I found out that Wells Fargo ( please see attached ) card services had reported me ( XXXX XXXX XXXX ) as deceased while as I am writing you I am very much alive.

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 2021-05-25
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax XXXX XXXX XXXX theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: SCA Collections, 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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company SCA COLLECTIONS XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$80.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I have an account that is invalid on my reports. The account keeps coming back as verified. But how can that be if it is not verified/validated. I disputed with original debtor and it was removed from all 3 reports since it could not be verified/validated. Then the debt buyer came along and reporting on an unvalidated/verified account. XXXX deleted since it is a violation. However, XXXX XXXX Experian still are in violation. Please get this deleted immediately. 

XXXX original debtor XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I requested a bill to be paid through bill pay that was to reach the vendor by XX/XX/XXXX in the amount of {$460.00}. The company deducted that money from my account but the vendor never received the check and no one has presented the check to cash. The check is floating in limbo somewhere, no one has cashed it, and yet the bill pay company has taken {$460.00} from my account. How is this legal? How is a bank allowed to take money from my account before a check is even presented for payment? 

In discussing this with the vendor, ( on XX/XX/XXXX ) I discovered that the bill pay company bundles checks to vendors in the same envelope and that the bill pay company often bundles his checks in with another business ( pool company ) that has a P.O. Box close to his. 

I find it outrageous that the bank/bill pay company can take my money without actually getting the check to the vendor. I called Charles Scwhab ( XX/XX/XXXX ) and they were able to confirm with their bill pay company that they do indeed bundle checks and that checks to the wrong vendor could be bundled together. 

But my main complaint is that the bill pay company used to send this vendor a draft check which was cashed when he received it. Out of nowhere and certainly without my approval, the bill pay company started using ACH online payments, and as discussed, deducting the payment when they assumed he would receive the check. That is a lot of float this institution is benefiting from at my expense.

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 2018-07-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have multiple accounts reporting on my credit report that do not belong to me, including but not limited to student loans. The accounts are reporting from XX/XX/XXXX from XXXX XXXX XXXX XXXX for {$9600.00}. I've repeatedly disputed these things with this company. I've also come to discover that Michigan statue of limitations for debt collection is 6 years. the law states that this shouldnt be reporting to my credit regardless of the situation. also, I see a third party debt collection company, by the name of XXXX XXXX XXXX for the amount of XX/XX/XXXX for the amount of {$870.00} and another from XXXX XXXX XXXX for {$320.00} from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This started on XX/XX/2019 They sent a text message to my cell phone stating I needed to contact them about a bill with XXXX XXXX. I have a prepid phone with XXXX so I know that I do not owe them any money. It states that all information had been sent to my email address and that needed to contact them about this account. the phone number they used to contact me was XXXX but told me to contact XXXX. They actually sent two messages on that same date. On XX/XX/2019 they sent another demand to my cell phone and I responded a demand for them to quit contacting me because I did not own XXXX any money. XX/XX/2019 they called my home phone and I again contacted them on my cellphone and demanded they quit calling me. I did that two times n that date. Now they are calling my home phone and asking  questions about someone other than myself. When I asked what company they are calling about XXXX XXXX tells me that because of privacy laws she can not tell me what company she works for. So I told her that because of privacy laws I can not talk to her and she hung up the phone, but that didn't stop her from calling me again two more times on that date. two times on my home phone and once on my cell phone. I have demanded that they qut calling me but that has not stopped them. Today, XX/XX/2019 they called me again and I answered so I could tell them again to leave me alone but it was a robo call saying they wanted me to call back but I didn't get the number. I have tried to call them back on the number they call me from but when you do there is a gruff voice that tells me to HANG UP NOW. Please do something to stop this harassing of me. Thank you They are calling from different numbers also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There are inquiries on my credit report that need to be removed. I did not sign nor authorized such inquiries.

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 2018-10-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview keeps writing to me about my past due payment. I made a payment arrangement for the payment to come out on XX/XX/2018. But somebody took out money they wasn't suppose to and caused it to bounce. Bayview doesn't need to keep writing to me constantly because I know the payment is behind. But I have made two payment arrangements for XX/XX/2018 and on XX/XX/3018.  I have also requested for my payment to be lowered. But i haven't heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN, IM REACHING OUT BECAUSE MY CREDIT REPORTS SHOWS THAT I HAVE SOME INFOMATION THE IS AN ERROR AND I HAVE REACHED OUT THE BUREAUS AND INFORMED THEM BY MAIL AND I HAVE NOT BEEN NOTIFIED OF ANY UPDATES IN ALMOST 30 DAYS. I WANT TO MAKE A COMPLAINT.

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 2020-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX I received a call from Capital One auto finance stating that I had an balance of XXXX remaining on my vehicle and that its due by XXXX XXXX. I stated to him that I'm aware of the balance and I have been sending {$25.00} per month what i can afford considering I dont have a source of income anymore. I explained to due to the pandemic I have lost my main source of income and i will not bee able to satisfy that balance on such short notice. The gentlemen went on to threaten me and aggressive tone an stated pay in full or it will be a negative mark against your credit and it would not be reversed.FYI : I no longer have vehicle in my postion possessions. The insurance company has it. Also since the conversation with the gentlemen he has sent me a past due bill of {$1800.00}. according to the information I read that's sent to me by capital one auto all credit reporting has stopped but now they are sending me this invoice im afraid they may try to report negative on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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: Personal information incorrect

Complaint:
Experian refuses to remove incorrect addresses off my credit report. 
XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In addition, The show several incorrect accounts ; This is the Final Demand If all of the information which I have disputed from XX/XX/28, XX/XX/28, XXXX is not removed from my credit report. I am filing legal proceedings in Court with an Attorney. 

XXXX Bankruptcy Court GA XXXX ( two different inquiries ) XXXX Bankruptcy XXXX GA XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX real estate Child Support -Collections account, Insurance claim, government claim or terminated defaulted XXXX XXXXXXXX XXXX XXXX  This information is incorrect. I have sent paperwork showing several items are invalid, inaccurate reporting, and showing I owe a balance. Information on a credit report which is wrong is supposed to be removed. Your reporting should be accurate and Valid. XXXX and XXXX  is not reporting the same information. It is impossible for all three credit bureaus to be accurate. This is my final request. All efforts to have you accurately reporting information on my credit file should be reported with accurate 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 non-monetary relief
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX Is practicing Unfair means to collect a debt. XXXX XXXX XXXX is using two different accounts to numbers on my credit reports. 
Equifax has different account number than XXXX and XXXX. 

This is clearly inaccurate report. XXXX XXXX XXXX is violating several laws 15 USC 1692F A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attempting to pay off my loan early by making additional payments towards my principal each month and the mortgage servicing company reverted my payment towards escrow, and made me have a missed payment for the month of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'VE BEEN GETTING CALLS REGARDING THIS ACCOUNT

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