BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: Carter-Young, Inc.
State: NC
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:
This what I sent to Carter-Young , Inc . 

Account Number : XXXX " If you can't provide proof of ALL : 1 ) The Original Contract with my wet signature applied to it 2 ) The Creditor Information ( Name, address, and phone number ) 3 ) The Payment History and the itemized billing associated with the account 4 ) Proof that you Carter- Young Inc. are authorized to collect the debt from me.

Then the debt is not valid.

In the attachment Carter-Young Inc. sent to me I did not see any document with my Wet signature applied to it linking me to this alleged debt. I do not see an attached document with my Wet Signature applied to it between Carter-Young Inc. and I, explaining that Carter-Young Inc may collect on an alleged debt. I do not see an attached itemized billing associated with the account. I am now reporting you to the CFPB because I have tried to have you guys show proof of how you ( Carter-Young Inc. ) validated this alleged debt and you have yet to respond. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: JPMORGAN CHASE & CO.
State: FL
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:
Chase B ank USA N is repeat edly accepting fraudulent applications for credit cards in my name. Each time Chase Bank accepts a fraudulent application they run a credit card inquiry through  XXXX . Each time they make an inquiry based on the fraudulent application m y credit score g oes down. I have asked them to not accept any more fraudulent applications with my identifiers and asked that they not make any more inquiries on my credit through any reporting agencies. They politely declined my request. I have fraud alerts with all of the reporting agencies but that does not keep Chase Bank from making inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is the complaint number that I just received a response from Experian XXXX They lied and said that was a duplicate of this. 
XXXX They are liars please start an investigation.

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 2022-10-31
Company: CITIBANK, N.A.
State: TN
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:
Was Havely in debt and despite making payments larger than my minimum payments I was never having my balance smaller and my balance continued to increase. I cashed out my XXXX XXXX  account and paid my penalties for doing so, to pay off my credit card with citi bank. I asked for a payoff quote and I was told my balance of {$25000.00} is my payoff quote. I made the payment for full {$25000.00} and my account was XXXX balance until few days ago, I get a new statement from citi bank asking for additional {$220.00}. I called citi bank and explained to no avail, I requested to speak with their supervisor to no avail. Citi bank gives you a so called payoff quote which is the current amount balance and then tag the consumer with additional fees and interest. This is not right and we the consumer work hard for our money, I should not get robbed by some corporation who cant eat {$220.00} for their mistake. The daily compound interest is always calculated into the payoff quote, not added after the account balance has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: TN
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:
I am a victim of identity theft, here are the hard inquiries listed below : XXXX XXXX XXXX, MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2016-09-16
Company: Hiday & Ricke, P.A.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Hiday & Ricke P.A. of XXXX, FL ( Representing XXXX XXXX ) has our entire bank account of over {$4000.00} on hold for garnishment for a credit card debt with XXXX from 2002 from a previous marriage without any notice at all. Even though my name is on the bank accounts along with my husband, son and my mother, I am on there as a convenience only. Hiday & Ricke has told me that the statute of limitations is 20 years, for credit card debt. However, the limitations is 4 years. XXXX XXXX was not filed. Now that I have purchased a round trip plane fare, filed for an exemption, Hiday & Ricke ( representing XXXX XXXX ) have filed a motion for a telephonic hearing. Because of this, my husband had to get a {$5000.00} loan to cover all our bills including return checks and nsf fees. I really appreciate anything that you can do to help me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The worst thing that has ever happened to me in my entire life was my home loan being sold to XXXX XXXX. The second worst thing was XXXX XXXX committing fraud and giving me a false late payment on my credit report. My loan was sold early this year. In XXXX of XXXX I used my banks bill pay system to make my mortgage payments. The address used XXXX  unbeknownst to me In XXXX of XXXX XXXXXXXX XXXX reported a late payment on my credit report causing me to loose over XXXX points. I had began using bill pay via my bank and my bill pay check was sent to their alternate address instead of their main address where they process payments. My bill pay was sent to XXXX XXXX XXXX XXXX XXXX, TX XXXX. I called them many times to explain this over & over to different people. I kept getting the run around & none of them understood me or would get my story right. I would get cut off & they would tell me so this is what you mean- & still get it wrong. They kept putting me on hold for sometimes up to 45 minutes at a time & then would say we will send you a letter with our decision. Each time they dismissed me & refused to remove this false late payment off of my credit report. I am demanding the company to do the right thing, resolve this issue, and repair my trust with this company & remove the late payment from my credit report. Yes, as soon as I contacted my bank & XXXX XXXX, & learned that my payment was sent to one of their wrong addresses I immediately sent payment out to the company - & began trying to figure out a way that we can remedy this minor mistake to no avail. This is frustrating & has caused me to miss out on things that could financially assist my family & I. I want this false information removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2020, I contacted the three major bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me a letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letters from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ) Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.

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 2022-10-31
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX FINANCE with an account ending in # XXXX, has violated my rights and the law. All 3 Credit Bureaus XXXX Experian, XXXX XXXX XXXX ) have also violated my rights and therefore the law by refusing to do a true investigation that provides me with the copy of transaction records such as applications for credit and all the information that validated the above account and any another. The information and history and personal data must all match and also be given to me within the allotted time according to the law, or the account must be deleted. 

( I've disputed and called over 7 times while being denied and lied to about the laws and process ) FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) - 15 U.S.C 1681 section 602 A - 15 U.S.C 1681 section 604 A - 15 U.S.C 1666B : The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. 

A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another persons identification. For example, if your business opened a cell phone account in the victims name or extended credit to someone misusing the victims identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victims behalf. 


The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. ** Below are the sections that make it very clear ** 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2015-04-13
Company: Byrider Franchising, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
Good Night, My name is XXXX XXXX. I am financing a XX/XX/XXXX ford XXXX with XXXX XXXX in XXXX Fl. The branch in XXXX recently closed down so we have been dealing with the francise in XXXX for payments. On XX/XX/XXXX called to make my biweekly payment. My sister and I typically split the bill in half. XXXX was the agent I was dealing with that evening. I asked her to verify if a card was in their system as she verified I realized she was asking if I wanted a confirmation email. She had already charged the full amount to the account and on a card that I did not verify. When I told her that her response was rude. She immediately began to blame me for being at fault. She was very unprofessional and unapologetic. She even hung up the phone on my sister and I when we called back to find out what she could do to fix this inconvenient error. We then called back and spoke to XXXX hoping he would provide insight on how to file a complaint and get in touch with headquarters so that the recorded phone call could be reviewed. He told me that he had no contact info and that they were corporate. He started telling me that he heard what happened and that I was at fault for the situation at hand. I am frustrated at the customer service I received that day. I have contacted BBB, FFR, and the Fl attorney general. I dont feel I should be stuck doing business with a company that has no respect for me and such callous disregard for mistakes made to customers. 


XXXX 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 2022-10-31
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Around XX/XX/2022 my boss received several phone calls from XXXX XXXX XXXX on his personal cell phone. He told me they were asking to speak to me and then proceeded to give him a reference number to the collection account as well as the exact outstanding balance.

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 2018-12-02
Company: MOHELA
State: AZ
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:
My Credit Shows that I have 6 missed payments on all 4 Student Loans. I was in deferment the whole time. Mohela Has had me on it since they bout out the original debt. Please help update that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
The Law Offices of XXXX XXXX XXXX continues to send letters to try and collect on a debt that is over the Statute of Limitations. I have responded many times notifying them that the debt is over the Statue of Limitations and was Written Off by the original creditor and have denied the debt many times. They have violated the FDCPA three times now. Attached are copies of their letters and my responses. 

They have also failed to cease communication upon written request by be me. They have communicated with me after validation ( Within the 30 Day Validation Period ) has been made, in which they are in violation. They have threatened arrest and legal action that is either not permitted by law or not actually contemplated. 

Under the FDCPA, the Law Offices of XXXX XXXX XXXX, XXXX is in VIOLATION OF THE FDCPA. XXXX XXXX XXXX, has numerous violations in collecting on many consumer 's in the State of Hawaii using misrepresentation and deceit for his monetary gain. 

Accordingly, XXXX XXXX XXXX, Attorney, is acting as a debt collector buying up defaulted loans that are too old and are over the statute of limitations to sue and also have been written off by the original creditor for pennies on the dollar using misrepresentation and deceit on unsuspecting consumers who do not understand their right under the FDCPA to try and collect. 

I would like to have XXXX XXXX XXXX XXXX brought up on charges for illegally obtaining monetary funds from many unsuspecting consumers in the State of Hawaii, using misrepresentation, threats of arrest and jail time and illegally getting judgements against consumers who do not know their rights on old debts to be sued upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
This organization is in violation of XXXX USC 1692 Subchapter V. 

Repeatedly request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. 

This organization is in violation of Furnishing certain deceptive forms. 

15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

The false representation or implication that documents are legal process.

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 2016-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I sent an offer in the form of a letter and check, I stated that if the offer was not accepted that I was advising that this is a cease and desist. They sent my check back and said that since I wrote in remarks in the memo of the check they could not accept it so that means the cease and desist is active.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
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:
I have reported accounts that do not belong to me, but I did not receive any response from the bureaus regarding their investigation or action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
for several months we are getting calls from Harris and Harris several times a week. We did call back XXXX, the debt belonged to someone else who does not live or has ever lived at that phone number. we informed them and asked them to stop -to no avail

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Financial Credit Service, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Harassing phone calls repeatedly, even after notifying them that I 'm not allowed calls.ike this during my work hours. Continued to call me 5/6 times daily during work hours. Threatened on the phone that a civil case would be filed against me in the county I reside in. Lied about mailing a letter to me on XXXX XXXX when the letter was dated XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 


XXXX XXXX XXXX XXXX Account Number : 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 2015-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My card was stolen and there were unauthorized charges of XXXX and XXXX. I filed a police report. Called to give them the police report and asked to speak to a manager he basically told me the cops would n't help me. And they were n't going to look at the tapes when the officers told me they would, and stated they do not get involved in civil disputes even though I have no clue who stole my card. He was talking over me. The previous rep stated that once I obtained a police report they would re open my case in which this manager refused to do so. I do n't feel I should be charged when my card was stolen and to be treated like a liar was very disrespectful

Company response to consumer: Closed with explanation