BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-25
Company: Bayview Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I had a payday loan with XXXX in the amount of {$500.00} - the APR at 390 %. Upon paying the loan I was told I received a loan in the amount of {$600.00}. I informed XXXX I received {$500.00}, and had their documentation to prove it. However, a few months later I came to realize payday loans were illegal in New Jersey or at best there were usury limitations which clearly XXXX had exceeded.. 

I had three payments debited from my bank account, and before the fourth I sent XXXX a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. XXXX stated they were not governed by NJ Law, but is governed by the XXXX, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid ( principal and interest ) it would be turned over to their Collections Dept. From that point on calls I received from XXXX were identified as Fraud Dept. and the same goes for the emails I received ... Fraud Dept. Eventually, approximately three months later the calls stopped. 

Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading XXXX in XXXX MO and the Creditor is listed as Bayview Solutions, LLC. The address listed for XXXX is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on Bayview Solutions, LLC - just listed as the Current Creditor, and XXXX as the Original Creditor. The debt owed on this paperwork is {$1000.00} which is simply not true. I see several online addresses on Bayview Solutions ( which I listed below ). Also, in researching Bayview Solutions it shows the BBB had downgraded to an XXXX in XX/XX/XXXX, and the FTC filed an injunction on XX/XX/XXXX. 

BAYVIEW SOLUTIONS, LLC, XXXX XXXX FL XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX, XXXX, FL XXXX I 'm not sure who this company is or what name they do business under - or how they continue to do business. The FTC has filed an injunction against them and they have been downgraded to XXXX with the BBB, and list an amount owed that is untrue.

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 2016-06-01
Company: ERC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I 'm complaining because I got a recorded call ( not a call from a real person ). The recording identified the company as ERC. The phone number of the incoming call was XXXX. The recording instructed me to call them and gave me a reference number of XXXX. I 'm not going to call them. Thank you.

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 2016-09-18
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
a few years ago i have XXXX mobile phone service after few months i transfer my service too XXXX i talk with sprint on that time and they send me return kit for phone the phone i got from XXXX and after that i send that phone back to XXXX i also send them prepaid XXXX card that i got from XXXX because XXXX want me too pay my bill too XXXX. now i got this bill from XXXX and i do not owe this money i talk with them and they said u have too pay otherwise this money goona stay on your credit report and they already did that please help me thanks

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 2016-10-07
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
After reviewing my credit report I found information, which needs to be corrected. ERC is illegally reporting a collection on my credit report due to the account being discharged in my Chapter XXXX bankruptcy. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report. I am requesting that the item be deleted to correct the information.

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 2015-10-14
Company: Big Picture Loans, LLC
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I received a letter in the mail from Castle Payday ( not a payday loan, so they claim ). 
while applying online with specific agreements and rates and how much i would be paying and interest and fees, every thing was flowing smooth and i agreed on an {$800.00} loan. 
before i could finish the process, they call me and want to finish out on the phone and they tried changing up the agreement where i would pay a {$400.00} fee up front on my first payment, I told them that was not the agreement i electronically signed on the application over the internet, and that if we are going to proceed, I will only agree to the original contract i signed, they finally after bickering back and forth agreed ( i think just to shut me up ), they pulled a bait and switch on me - they then proceeded and the next day, I had {$800.00} in my account, i called on my due date to process payment which was automatic but i needed to confirm it, they wanted {$400.00}, I told them that was not the agreement i signed, they then email me an agreement that i never saw before, not once, it had a 560 % interest rate, making the total {$800.00} loan, {$6200.00} - - i would never in my life agree to a loan like that, it is insane, ( im enclosing an attachment of the agreement, i had never seen this nor did i sign this, my first time even knowing about it was when they sent it to meafter i complained with them for not honoring the agreement - this is not the agreement i signed or acknowledged ) i never was presented with this - i called and they told me i could pay XXXX and close out the loan, i said i dont have XXXX could i pay the XXXX and then pay the rest next month and it close out, they confirmed that yes i could ... ..next month rolls around and they tell me i have to pay another XXXX plus the XXXX, i cant just pay the XXXX ... .basically i have to pay XXXX out right, at least thats what they tell me this time, im sure it would change next month as it has changed every time i talk with them, they dont honor their agreements so i shut down my bank account and im not going to honor my original agreement, they got their money back and they are not getting anymore, my only concern now is that because they are deceitful and scamming and have the abilities, they can now affect my credit ... im not the only one, there is a website of XXXX 's of complaints identical to mine in regards to castle payday consumer loans

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: ERC
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/2014 my fiance called XXXX to cancel my service as she was switching me to her XXXX account. I was not aware of this action and working at the time. My service was stopped. I called XXXX and told them i needed my phone restored immediately as i used it for work ( XXXX ) and that i did not authorize the termination. I was informed that would be taken care of as soon as possible. The following day I still did not have service. I needed a phone so I went to XXXX as they claimed to have my number ported to them. I was set up by XXXX. About three days later, XXXX ported my number back to them shutting down my XXXX phone. I went back to XXXX and they apologized saying that XXXX should not have been able to do that. Ported me back once again and my service has been working ever since. My issue is that XXXX charged me TWO early termination fee 's and continued my monthly charges amounting to a bill of {$800.00}. I have argued via phone and spoken with a local XXXX dealer to no avail. It is a bill i strongly believe I do not owe and have not paid. It is on my credit report and effecting my credit. I do not believe this is fair at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-07
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted in regards to a debt that is not mine. I have written several letters and after further review of the FTC guidelines decided to go through the proper channels and have an FTC Affidavit notarized. I sent it certified but this company keeps calling me at work and home. Please help me get this resolved. Thank you

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 2016-12-12
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Jh Portfolio Debt Equities is misrepresenting the opened date and sum of the alleged debt on my credit reports that they are attempting to collect. 
The only validation that was sent to me were XXXX pages of a XXXX bank account not indicating how and why they have any legal rights to collect, how did they come up wit this sum or where did they obtain this information about me. 
Providing me with the last XXXX of my social and the mailing address on the XXXX bank statement is NOT debt validation as they could have stole this information or obtained it through any other illegal means. I did not enter into any contracts or agreements with Jh Portfolio Debt Equities, therefore they have no legal rights to report anything about me or my credit to the credit bureaus or attempt to collect anything.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Improper use of credit report company was not given permission to run my credit please remove from all credit bureaus. Also there is closed accounts but still being reported that does not belong to me. 
XXXX XXXX XXXX - {$270.00} XXXX - {$220.00} XXXX XXXX XXXX {$100.00} XXXX XXXX- {$21000.00} Closed accounts XXXX XXXX - closed XXXX XXXX- closed XXXX XXXX-closed

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 2016-09-30
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage was sold, XXXX sold to XXXX. It is being serviced byShellpont Mortgage XXXX. I applied for and was granted a modification in XXXX. by XXXX XXXX The first payment was due XXXX. The agreement states if the next XXXX payments were made on time the modification would be permanent. all payments ( XXXX ) were made on time, I have been making my payments to the new service co, shellpoint on time. They advise me they have no paper work from XXXX, and are waiting. for it They also have no paperwork from XXXX on my XXXX application. which was compleeted in XXXX My home is still in the foreclosure process even though all payments were paid on time. XXXX failed in its obligation to oversee the selling of the mortgage and that it was serviced properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2017-01-22
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company has failed to send out notices or contact me. I have reached out multiple times. I 've sent emails, which get sent back. This company has a credit card that was opened long ago. I 'm not even sure it should be on my credit at this point. This company is horrible and does n't communicate. They have no desire to help the situation. I 've contact them many times.

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 2015-12-18
Company: The CMI Group, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This is a complaint against : Credit Management , LP Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX https : //www.creditmanagementonline.com/contact On XXXX XXXX, I received the attached statement ( alleged debt letter XXXX and XXXX ), dated XXXX/XXXX/15. It is the first and only contact from them. It was for a XXXX debt owed by a person with a similar but different name, and I have never had a XXXX account. This is not my debt. I have already contacted them about this but do not yet have a reply. 

Further, prior to them contacting me about her debt, they made derogatory reports about me to all XXXX credit bureaus ( attached ). That is malicious, libelous, and a defamation of my character. I demand that they contact the agencies at once and have all negative remarks and accusations removed. 

Further, according to the Fair Debt Collection Practices Act, XXXX XXXX, Validation of debts [ XXXX XXXX XXXX ] : ( a ) Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ... 

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


They failed to perform the quoted sections ( failed to make these statements ) and are thus in violation of the Fair Debt Collection Practices Act. A full copy of the first and only contact is attached ( alleged debt letter XXXX and XXXX ) and shows that these were omitted. 

Due to the fact that they are in XXXX and I am in XXXX, I wonder how many other people in the country with a name similar to XXXX XXXX received similar letters. They went rather wide by mailing XXXX to a person XXXX. 

They need to correct this at once.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXXL XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities to become more successful.

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 2016-08-07
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CREDIT MANAGEMENT debt practices have notified me, for accounts collections. 
I contacted the XXXX major Credit bureaus, and Credit Management with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. 
I have not received any financial gain from the above account. 
The entities named above validated the debt as his, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX had been stolen I am sure they are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts Therefore I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime they must cease and desist all debt collection practices. 
In the event Credit Management or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Credence Resource Management showed up on my credit report and I have no Ideal who the creditor is. I currently do not owe anyone other than my less than 2-year history with my current creditor which I am not behind. I believe this is a fictional collector which is affecting my credit score more than XXXX Points. I have been the victim of identity theft 4 years ago and I believe this is a part of it.

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 2015-09-17
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I want to go to school to better my self and possible free my self from poverty but instead I end up trap in student loans with such high interest rates that are un-payable or I feel I will not be able to pay not in my natural life.

Company response to consumer: Closed with explanation