BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: National Management Recovery Corp. (NMRC)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I paid {$1800.00} on XXXX because I was threatened and told if I didnt pay right then and there I would be sued and it would be considered fraud if I didnt pay. I set up an arrangement to pay the remaining balance I owed in interest of {$3200.00} for XX/XX/23 but I was unable to pay. I emailed them and let them know that I couldnt commit to the {$3200.00} payment and I need to split up the payments, I received no response to my email. On XX/XX/23 my mother and friends started getting harassing calls from this debt collector threatening that I need to pay and disclosing all of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
For several years I 've been denied any loans on the grounds that my credit report and score can not be pulled. Finally I decided to find and fix it. Spent endless hours with all credit bureaus, found out that I was noted as deceased in TransUnion, mailed them a copy of SSN. Called Social Security, they found no problems there. Now Transunion claims their file is correct, so does everyone else, but now one can give me the report. Not for free not for a fee. PLease HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase bank gave me wrong interest rate of 0.02 % instead of 2 % but they do not want to admit this was a bank error. 

XX/XX/XXXX - received a promotion email from Chase that states '1.75 % interest rate for 6 months CD, minimum deposit of {$10000.00} '. I clicked 'additional rates and terms ' and learned 2 % interest rate for the money I had which was {$80000.00}. ( a copy of promotion email attached ) XX/XX/XXXX - opened the CD account online. I selected 12 months and deposited {$80000.00}. 

XX/XX/XXXX - a day after maturity date I noticed Chase only deposited {$16.00} which is 0.02 %. Called the bank but I was advised to visit the branch. 

The same day I visited Chase XXXX XXXX XXXX/XXXX XXXX branch. They could not find any record of the 'interest rate ' for my CD account. Branch didn't admit the error but escalated the case. 

XX/XX/XXXX - a banker, XXXX XXXX, moved my money from CD account to Savings account to avoid the CD to be automatically renewed. Multiple communications, emails between the branch but they were not willing to help. 

XX/XX/XXXX - Chase branch complaint escalation team called. 

XX/XX/XXXX to XXXX XXXX - Multiple communication between the escalation team. I have requested to check the interest rate at that time as it was a fixed rate. XXXX said she communicated with the CD team but they still didn't admit this was an error. Because I opened the account online they claimed they don't know which product I selected even though they know I had 12 months CD with {$80000.00}. 

XX/XX/XXXX - the case had escalated to 'Executive office '. No one called me so I got the contact information from XXXX from branch complaint escalation team. 

XX/XX/XXXX - after leaving two messages, the case manager, XXXX XXXX, called me back and left a message. She said 'I talked to the branch and the branch manager says he doesn't recall they offered 2 % and I opened the CD account correctly online with 0.2 % ( it's actually 0.02 % but that's what she said ). 

I formed a conclusion that Chase does not want to admit the error and not willing to fix the issue even though they should have the information of the interest rate they were offering at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Douglas, Chancellor, Meyers and Associates, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I received an email from XXXX XXXX stating an account was added to my credit report in collections by Douglas Chancellor Meyer for the amount of {$520.00} and the open date is XX/XX/2018. The original creditor XXXX XXXX XXXX is not even on my credit report. I have not applied for any loans in years nor is there a hard inquiry for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Navient Solutions, LLC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past month I receive a robo call every evening between XXXX and XXXX. I have recordings of it. XXXX XXXX XXXX. For a few weeks the call came from XXXX. Lately it's from XXXX. Last night it came from XXXX. It's 27 seconds in length. It instructs me to call XXXX. 

I have no debts. I owe no one. I am XXXX and retired. 

I am on the Do Not Call. I am tired of getting this call every day. I have exceeded my blocking capacity.

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 2020-07-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a settlement with lvnv funding llc and the issue was resolve, I was told that they would remove it off my credit file but not only am I still receiving calls stating I owe but it has not been removed of any of my files

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: INDEPENDENT BANK CORP.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I reported that my card was lost or stolen to the bank. After I received new card, I encountered new charges. Also I was given provisional credit and was charged back {$110.00}. As a result of all of this I was charged {$160.00} in overdraft fees. I reported this to the company but nothing was done and neither I was contacted by the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I can't log in to navient. 
I enter all of my information to no avail. 
I've even used my SSN and birthdate as the website recommends only to get " we have no records of you '' Ive attempted to call a few times. I'm very late on these payments and they just keep offering a forbearance. 

I'm at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: AmeriCash Holding LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I received an email from XXXX XXXX stating an account was added to my credit report in collections by XXXX XXXX XXXX for the amount of {$520.00} and the open date is XX/XX/2018. The original creditor XXXX XXXX XXXX is not even on my credit report. I have not applied for any loans in years nor is there a hard inquiry for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: State Collection Service, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A company illegally shared my medical information with a third party ( debt collector ) without my consent. They illegally have done it already and I had it removed from my credit report. The first time they did it, they used XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX, and destroyed my credit report/ and score. 

Now they used STATE COLLECTION SERVICE, account number on one of the credit bureaus XXXX. Both time they are asking for a different amount of money. Highly illegal, strike three. 
They are trying to intimidate me with phone calls and using " Collection Department / Agency / Attorney " on my credit report. Their Contact information is listed below. 

I am in the process of rebuilding my credit and they illegally flagged my account and dropped my credit score 32 points. That's very unfair and highly illegal. I have written letters to the debt collection agency, The Company that hired them ( XXXX XXXX ) to perform an illegal act, and the three major credit bureaus, asking them for collection validation, HIPPA Violation Warning, and disputing their claims ; to which I have received no response. 

Can you help a struggling single father in a time of extreme crisis? 

Thanks for your time. 

STATE COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX, WIXXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited some checks onto my checking account and had to wait a whole week while it cleared well now that it cleared chase will not release me my money that i worked hard for and i have a XXXX  baby and ineed to feed and support but how am i supposed to do that if some insensitive banker is giving me a hard time with my account, i already waited week for hold to clear and still dont let me get my .money that is already in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: National Processing Group LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On or about XXXX XXXX I received a phone call from a place called XXXX whose name may have been changed or otherwise to Global or Debt Management Partners. Possibly Called National Processing As Well. They called family and myself making threats if I didnt make a payment then they would proceed with actions within the laws of my state regarding an XXXX XXXX XXXX pay day loan. I had been paying on this loan and the place was just XXXX. XXXX XXXX XXXX never called me or wrote me any communication and simply said pay when you can. The Debt collection agency also never sent me any written letter or otherwise concerning this debt. This situation caused me anxiety, nightmares and a health scare due to the XXXX I endured. They called from XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Called Equifax on about 10numbers to get a security freeze placed on my credit file. The automated robot will not allow me to get through after asking me 4 questions. I tried the online option and it would not process the credit freeze. It gave me another phone number to call ; same robot, no sucess. Their system is broken. I had no problem with the other 2 bureaus. I know that my credit has been breached and the sooner I can get this freeze on the better. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$110.00} XXXX XXXX {$1200.00} XXXX XXXX {$160.00} XXXX XXXX {$64.00} XXXX XXXX XXXX {$8800.00} XXXXE XXXX XXXX {$5000.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I request from Portfolio Recovery Associates complete details of several accounts they claim were purchased. My demands are as followed : 1 ) I request copies of any documents to prove ownership transfer.

2 ) The upset price on purchase.

3 ) The date of charge off.

4 ) The date of purchase. 
Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sent for validation of debt in accordance with the FDCPA and was not validated nor removed instead they are offering settlement ( s ) on a debt or contract I have not made with this company. NCB Management Services, INC has kept my credit from showing it's true score and has kept my family from benefiting from a true credit history. I have never made any contract or agreement with this company and they have not been able to prove that I owe this debt to them. Furthermore ; I nor my family was ever served properly on this account since we do not live in Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: IL
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 filed a complaint with CFPB regarding a fraudulent car company listed on all three credit bureaus, credit acceptance. within a week, transunion was able to remove the given creditor however experian and equifax refuse to due so. I am requesting that the given creditor be removed immediately due to being fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: AES/PHEAA
State: NV
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:
Fed Loan Servicing i paid in XXXX Fed loan is not reporting correct as the virus effected accounts with fed loan. i have paid all payments on time. I have not had late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the Chase   XXXX   Preferred card and got a call for additional verification which I completed after then it was approved. When the card arrived it did not work, I called Chase several times and nothing got done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Bridgecrest Acceptance Corporation
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 is missing that should be on the report

Complaint:
I financed a vehicle with Bridgecrest and made the first payment on XX/XX/XXXX. Unfortunately, on XX/XX/XXXX I had to file bankruptcy to stop a debt from an ex-husband. All of my bills were paid on time and I had not missed any payments, the filing was simply to stop a tax debt that was not mine. When I filed, I notified Bridgecrest to let them know that I would be reaffirming the loan, however an employee name XXXX XXXX contacted me to inform me that even though I would be continuing to pay for the vehicle, they would no longer report the payments ( I was willing to live with that ), and also that they would be REMOVING the account completely from my credit file. This I DO NOT AGREE WITH. Other than for punitive purposes, there is no reason to remove an account from anyone 's credit report. This is a form of " Re-aging '' and I believe it's illegal. I spoke to another employee there who stated that reporting was voluntary, and that's fine, however, once a company decides to report that account has to remain with accurate information. My other accounts remained but reflected the bankruptcy status. I even mentioned this to the bankruptcy trustee and even he stated that he had never heard of such a thing. I paid that account on time until the surrender and I want that account put back on my credit for it has re-aged my credit reports by its removal. That account was opened in XX/XX/XXXX and the credit file that it was removed from states that my oldest account is only 8 months old. This has in essence re-aged my credit report. At the time that Ms. XXXX informed me of there unscrupulous policy, I had her email a copy of my payment history for my records and for proof. Please let me know what documentation you need as this is in direct violation of the FCRA. I am trying to resolve this issue through this method however, I am prepared to take Bridgecrest to court as it has caused some financial hardships with having to pay higher interest rates because with this account being removed from my file, it appeared that I had not financed a car prior. I also have two finance managers from two well-known dealerships that are willing to make a statement and/or testify if I have to take this to court verifying the above statement. The original contract date was XX/XX/XXXX. Reaffirmation amount was to be {$18000.00}. Bankruptcy case number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$3000.00} XXXX XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX {$3800.00}

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 2023-01-21
Company: Grow Credit Inc
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported the account 30 days past due. 
15 US Code 1666B - Billing Error, I did not give them consent and this company is not protecting my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, 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:
I Mailed A Copy Of My Inaccurate Information To Equifax Back On XX/XX/2021 And Then Followed Up With Another Letter On XX/XX/2021. 

I Did Not Receive Any Replies Back Or Any Changes. 

By Law, They Are Supposed To Reply Within 30 Days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: IL
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:
The bureaus fell to comply with the law.. Ive sent several dispute letter in regards to my credit concerns. They fell to comply, they haven't provided me with any of my investigation results.. They are in violation of the law. Please help me by removing all my credit concerns from my report..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: World Omni Financial Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX loan debt was charged off showing XXXX balance. It still shows a balance of {$20000.00} on XXXX credit report. Please assist with getting it reposted properly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was at the gas station I try to use my chase bank card for gas. It was declined so I called the bank and the Bank told me your account will be close until further notice we already cancel your card. I never received any notice from them stating my account will be closed.

Company response to consumer: Closed with explanation