BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Account # XXXX Original account Holder : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX XXXX Manager XXXX XXXX XXXX XXXX XXXX OH XXXX This account originated from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was an Online loan. It was sold off to NCB XXXX. On XXXX, XXXX, XXXX is claiming I received notice in the mail notifying me that they are the creditor now of this account. However I received no letter in the mail. The only way I found out about this account was when It was reported on my credit in my collections and I found the phone number in my credit report. NCB is also claiming that on XX/XX/XXXX that an unidentified party called in. No one from my phone number called in until, I tryed to call in on XX/XX/XXXX to discuss the matter. I made an offer of {$1000.00}. However the call disconnected. I tryed calling back but could not get through. I receive numerous calls late in the evening after XXXX central time. XXXX on XXXX, XXXX, XXXX XXXX and another on XX/XX/XXXX XXXX. I requested that the party stop calling me. NCB has reported on my credit reoprts however they have not kept the original delinquent date from the original creditor. NCB bought the account XX/XX/XXXX and began reporting on it then. This account and Claims from NCB does not contain the same delinquency date as from the original creditor XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2019-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe a debt to XXXX XXXX. They turned the debt over to Portfolio Recovery Assoc Portfolio who continues to hound me at least weekly, at times more than once during the week They are having people call me from different numbers! Both myself and " XXXX  " on my phone continue to block these calls, yet they keep calling from other phone numbers. I have got very angry when I have answered and told the people to quit calling me, I have no extra money, and threatened to report this company. They are relentless and don't stop even after threatening to turn their company in. 

I have read blogs that other consumers are being continually harassed with Portfolio and company is using different people with different numbers as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
WELL THIS COMANY CALL MY HOME ON XX/XX/XXXX I M A CO SIGNER AND MY GRANDDAUGHTER IS SOLE DRIVER OF CAR SHE PAID HER PAYMENT ON XX/XX/XXXX AS THEY STATED BECAUSE SHE LIVES AND WORKS IN XXXX AND I LIVE IN XXXX TX AS THEY KNOW THEY INSIST ON CALLING MY HOME NUMBER 3 TO 5 TIMES A DAY I HAVE IT RECORDED I EXPLAIN TO THEM SHE IS THE ONE TO CALL THEY REFUSE AS SHE TOLD ME SHE HAS CONTACTED SUPV THERE AND PAID HER BILL SHE WAS LESS 30DAYS LATE I GUESS HOWEVER I TOLD THEM STOP CALLING ME THEY REFUSE AS EVERY MORING AFTERSON EVENING THEY ARE CALLING MY HOME I TOLD MY DOCTOR ABOUT THIS YESTERDAY AS I HAD TO GO SEE HER AND THEY ADVISED ME TO REPORT THIS IM SENIOR AND ON DO NOT CALL LIST THEY HAVE MY GRANDDAUGHTER WORK AND HOME NUMBER SHE ASK THEM TO CALL HER SEND ANY MAIL OR PRINTOUT ON HER CAR TO HER ADDRESS THEY HAVE THEY REFUSE AS I GET HER STATEMENT SAYING YOUR BILL IS DUE NOT LATE BUT DUE I DONT KNOW WHAT ELSE TO DO THEIR NUMBER IS XXXX XXXX XXXX I KNOW IT BY HEART THATS HOW MANY TIMES THEY CALLED MY HOME AS I AM WRITING YOU THEY CALLED AGAIN PLEASE CAN YOU DO SOMETHING TO STOP THIS I NOW TAKE MEDS FOR THIS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Upstart Holdings, Inc.
State: CA
Product: Credit reporting 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous attempts to inform credit bureaus that I have been the victim of identity theft and that I want to check specific data in my documents that were obtained as a result of the crime. The records I'm looking at have nothing to do with any purchases of goods, services, or money that I've made or authorized. Remove off my credit record any information that was allegedly obtained by fraud or extortion, assuming no one is looking. 
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 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 2023-06-21
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2021-11-27
Company: EQUIFAX, INC.
State: AL
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:
There is a delinquent account on my credit bureau 's that is not mine. XXXX XXXX I have never applied for. I have called, reported them to XXXX XXXX XXXX XXXX  but they still have not removed this ding on my credit. I would never associate myself to these kind of businesses and ask that you would be so kind to request they remove this account asap.They can not show me proof that I signed anything or show my ID to prove it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
JP Morgan Chase and XXXX have reported for years that my previous credit card status currently has a balance and late. Both companies closed my accounts, the accounts were paid in full, likewise, I havent missed a credit card payment in 5 years. After speaking with Macys regarding a late payment, the representative informed me they couldnt detect a late payment yet, a closed account 5 years ago is still reporting as current. My first XXXX card was closed because you cant use a XXXX XXXX XXXX a physical mailbox. Another XXXX card was acquired and my payments were made on time. I noticed, upon paying the closed account, it would default to the new card, a computer glitch for which XXXX being held responsible for. I have tried several times to resolve this issue to no avail. 
JP Morgan Chase closed my XXXX credit card account 5 years ago, and likewise are reporting to the credit bureaus as if this is my current situation. After speaking to a representative XX/XX/2023 I was informed I would have to wait 2 years before my status changed. I continue to bank with JP Morgan Chase, my Freedom card has not incurred a late payment in over 5 years, yet JP Morgan Chase for years is reporting to the credit card bureaus the status of a closed account as if its current. 
As a result of these inaccuracies, my credit score has dropped almost every month for the past 5 years. Likewise, Im being denied credit cards because of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, Citi Bank presented me with an offer to receive a {$450.00} bonus for opening an XXXX XXXXXXXX account. I was presented this offer after logging in to my account. The bonus required depositing {$50000.00} within XXXX days of opening the account and maintaining that balance for 60 days after the XXXX day funding period. I deposited {$50000.00} and those funds were posted to the account in XX/XX/XXXX. In XXXX, I confirmed with a Citi representative that the offer was attached to my account. I also received a physical copy of the offer terms from Citi Bank via standard mail. I confirmed with an agent on XX/XX/XXXX that I had met all requirements and would be receiving my bonus within the next month. I should have received my bonus XXXX XX/XX/XXXX ; however, it was never deposited to my account. 

On XX/XX/XXXX, I initiated case XXXX with an agent as I still had not received my {$450.00} inventive. On XX/XX/XXXX, I received a response from Citi Bank notifying me that I wasn't eligible for offer XXXX as I wasn't targeted. 

A few things : -I was targeted by Citi immediately after logging into my account -I received confirmation of the offer via email and physical mail of my offer details -On multiple instances, agents informed me that I was enrolled and met the offer terms This really seems like a bait and switch by Citi bank. Target customers for new account promotions and then refuse to pay.

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 2020-07-28
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Was previously with Great Lakes Borrowers during my enrollment at XXXX XXXX University from XXXX to XXXX. Was placed on forbearance due to difficulty making a XXXX a month payment. Tried multiple times to refinance or get a better payment plan and was refused. When XXXX took over my loan from Great Lakes Borrowers, not only were they offering better and affordable monthly payments but they were also very helpful in enrolling me in public service loan forgiveness for law enforcement which Great Lakes Borrowers advised me was not available with them despite my loan types. Prior to graduation from XXXX in late XXXX, my student loan debt total was about XXXX however after graduation, and after my grace period, my total owed sky rocketed to almost XXXX owed and the explanation given from Great Lakes Borrowers was that it included interest accrued while I was enrolled in school which should not have been the case during enrollment and the 6 month grace period. This is in reference to the loan ( s ) taken over from 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 2022-12-28
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX 15 U.S.C 1681 section 602 A states I have to right to privacy. 
15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions 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:
These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate 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 2022-12-28
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon researching how to file this complaint, I discovered that IC System, the company this complaint is regarding, has violated Regulation F of the FDCPA. IC System did not include an itemized list of charges. IC System did not include a returnable form allowing the consumer to check a box for " This is not my debt '', " This amount is wrong '', or " Other ''. Regulation F requires this to be included in the validation letter, and IC System is in direct violation. 

IC System has unexplained charges on their debt validation letter. I'm unsure of how to upload a copy of this letter to the CFPB. It lists {$430.00} as " Previous Balance '', which is not a validation of the debt, and has no explanation of where this balance came from. 

IC System did not send me required correspondence within XXXX days of initial contact, which is required by the FDCPA. 

IC System has falsely reported negative information on my credit reports after being disputed, and they have refused to discuss a remedy for this false reporting. 

IC System has caused me measurable harm, and is liable under the FDCPA for up to {$1000.00} in civil penalties. This is an attempt to resolve the matter and have myself made whole. If IC System refuses to resolve the matter with the CFPB intervention, I will be filing a lawsuit.

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 2022-12-28
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
MOHELA is not giving me credit for XXXX years of credible federal public service for my recently consolidated loans with them. I have made qualifying payments for over XXXX  years and they are not correctly applying them for my loan forgiveness. I have reached out to them several times and they will not correct the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I spoke with a representative of this company and I was promised that the inquiries made from 2021 would be removed from my credit reports This company never honored their promise to remove the inquiries that their representatives made to me on their behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: NRA Group, LLC
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:
I HAD A COLLECTIONS ACCOUNT POP UP ON MY CREDIT REPORT FROM NATIONAL RECOVERY AGENCY IN XX/XX/. I INITIALLY CALLED THEM PRIOR TO THIS WHEN I RECEIVED A LETTER FROM THEM TO ASK WHAT IT WAS THEY STATED IT WAS A UTILITY BILL FROM XXXX XXXX IN NEW YORK. I TOLD THE REPRESENTATIVE I DID NOT LIVE IN NEW YORK AND WANTED TO DISPUTE THE DEBT, SHE STATED SHE WOULD NOTATE IT AND IF NOT WOULD REPORT TO THE CREDIT BUREAUS. I DIDNT HEAR ANYTHING BACK FROM THEM AND ALSO DISPUTED ON MY OWN WITH XXXX . I ALSO CALLED XXXX XXXX ASKING FOR A DEBT VALIDATION LETTER THAT I DIDNT RECEIVE THEY STATED SINCE THE ACCOUNT WAS IN COLLECTIONS I WOULD NEED TO DEAL WITH THE COLLECTION AGENCY. I CALLED NATIONAL RECOVERY AGENCY AGAIN AFTER THEY KEPT TEXTING ME WHICH I NEVER AGREED TO, I TOLD THEM NOT TO TEXT ME BECAUSE THIS WAS A SERIOUS MATTER NOT A TEXTING MATTER AND THEY KEPT TEXTING ME AND NEVER SENT ME A PAPER BILL AGAIN NOR DID THEY CALL ME. WHEN I CALLED AND SPOKE TO THE REPRESENTATIVE I TOLD THEM I HAD PREVIOUSLY DISPUTED THIS SHE SAID THERE WAS NO RECORD OF A DISPUTE WHICH I DIDNT UNDERSTAND AT ALL BECAUSE I EVEN DISPUTED TIS MYSELF WITH XXXX . SHE STATED SHE WOULD TEXT ME WITH THE PROCESS ON HOW TO DISPUTE. AGAIN TEXT ME??? AFTER I REPEATEDLY TOLD THEM NOT TO TEXT ME ITS INAPPROPRIATE. I THEN RECEIVED A TEXT WITH A SETTLEMENT OFFER NOT ONCE BUT TWICE AND THEY NEVER SEND ME A TEXT ON HOW TO DISPUTE THIS THEY SENT ME A SETTLEMENT OFFER. THEY ALSO NEVER SENT ME THE DEBT VALIDATION LETTER THAT I HAD REQUESTED FROM THEM.I SUBMITTED A COMPLAINT WITH THE XXXX  BECAUSE THIS ISNT A DBT IM RESPONSIBLE FOR. I NEVER HAD A CONTRACT WITH XXXX XXXX, I HAVENT LIVED AT THE NEW YORK ADDRESS IN TWO YEARS, I NEVER RECEIVED A DEBT VALIDATION LETTER, AND WHEN I LIVED IN NEW YORK THE LANDLORD SPLIT THE METER BETWEEN ME AND TWO OTHER TENANTS THAT WERE LIVING THERE. ALSO, I WAS ON TEMPORARY ASSISTANCE AND I HAVE PROOF DSS PAID XXXX XXXX DIRECTLY FOR YEARS BASED ON MY INCOME. WHEN I SUBMITTED THE XXXX  COMPLAINT THEY REPLIED BACK I DIDNT GIVE CONSENT TO REPLY ON A PUBLIC FORUM WHICH I DID WHICH IS WHY I SUBMITTED THE COMPLAINT. I NEVR HAD A CONTRACT WITH XXXX  XXXX  OR NATIONAL RECOVERY AGENCY. THEY ARE STALLING AND RUINING MY 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 2023-05-11
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am consistently receiving a rejection message stating Application information tied to unusual activity ; however when contacted PayPal refuses to disclose anything related to this message and simply says try again later.

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