BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-25
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Other

Complaint:
CostCo made a change from XXXX to Citibank Visa credit cards. I did not authorize their sending a card to me and when on arrived I did not activate it. I was just billed {$55.00} on the card for membership renewal which I did not authorize. The bill will be removed, however in cancelling the card which I never authorized my credit rating ( FICO score XXXX ) will take a hit.

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 2015-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion credit bureau has had an account on my report listed as " in dispute '' status for over XXXX months. Because of this I have been unable to secure a mortgage as the lender will not issue a mortgage to anyone who an account shown as " in dispute ''. They have been unable to tell me why it remains in that status and show no inclination to change it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had insurance at the time along with Medicaid. Medicaid paid bill in full except {$3.00} which is my portion.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Mountain Run Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1.XXXX XXXX  {$1400.00} -Mountain Run Solutions. XXXX XXXX. 

I keep receiving call asking for payment. I do not own anything through this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: BlueChip Financial
State: NJ
Product: Payday loan
Issue: Can't contact lender

Complaint:
In XX/XX/XXXX I had a payday loan with Spotloan in the amount of {$500.00} - the APR at 390 %. At the time I did not know that payday loans were illegal in New Jersey or at best there were usury limitations. 

I had three payments debited from my bank account, and before the fourth I sent Spotloan 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. Spotloan stated they were not governed by NJ Law, but is governed by the XXXX of ND, 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 it would be turned over to their Collections Dept. which was then renamed Fraud Dept in phone calls and emails. Eventually, approximately three months later the calls stopped. 

Spotloan operates a website at www.spotloan.com and lists its contact information and address regarding payments and correspondence as : XXXX XXXX, IL XXXX XXXX XXXX If you have a complaint against Spotloan, you can mail it to : BlueChip Financial dba Spotloan XXXX XXXX XXXX, ND XXXX 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 XXXX. The address listed for XXXX is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX - just listed as the Creditor. I see several online addresses on XXXX ( which I listed below ). Also, the BBB dropped XXXX 's rating to an XXXX in XX/XX/XXXX and the FTC filed an injunction on XX/XX/XXXX. 

XXXX XXXX XXXX, FL XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX, XXXX, FL XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: I.C. System, Inc.
State: IL
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:
After several attempts of trying to remove a debt on my report that did n't belong to me, I agreed to pay off the debt at a reduced rate. I was told that it would be removed off my credit within XXXX days and it was n't removed. It does say XXXX balance but it 's listed as a collection. I called the agency and they told me to call the credit bureau. Should n't it be the collection agency who should contact the credit bureau?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: CCS Financial Services, Inc.
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 am getting XXXX calls per day from " Credit Collections '' for my ex. I have informed them via their online form he has not been at my home number since 2010 but they continue to call, disrupting my business ( I XXXX ) and waking me early in the morning on weekends. They are calling from XXXX to my home number have at least one time left a voicemail asking if the person answering is the ex who moved out almost six years ago. I have no legal responsibility for his debt, regardless of what it is but ca n't get these people to stop calling my house. They have called XXXX times that I know of.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Paypal Holdings, Inc
State: WA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I purchased XXXX XXXX {$100.00} giftcard back in XXXX from paypal_digital_gifts for {$85.00} each. 

I use one of the giftcard ending XXXX back in XX/XX/XXXX for about {$10.00} and I also used it for {$8.00} in XX/XX/XXXX. I should have total left of {$80.00}. However, I found out today XX/XX/XXXX mysteriously that I have {$0.00} left. 

The other XXXX XXXX giftcard should still have {$100.00} each. One ending in XXXX. Another one ending in XXXX. They are both now showing {$0.00} as well. 

I have total of XXXX XXXX giftcard that I purchased back in XX/XX/XXXX for {$85.00} each which total to {$250.00} in my out of pocket that should worth {$300.00} in XXXX gift card minus spending of {$19.00} which equal to {$280.00} total giftcard value. 

I recently learned that there have been a data breach on gift card certificates purchased from Paypal Digital Gifts. XXXX They are not admitting this incident and prefer to hide it from the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-12
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The company I am complaining about is Continental Credit at XXXX, Tx. I have been getting calls constantly at work which I am getting in trouble for and had to put a harassment report due to all the calling. The few times I have answered at work the representative is always rude and says " We need your payment now! You said you would pay where is your payment? Do you have the money now? We will go get it from you right now tell us your exact location. '' I have XXXX and with them always calling and telling me I will be sent to jail due to non payment has made me have XXXX at work which causes me to put my duties at work a side so I can calm down which takes hours. I do not appreciate this at all.

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 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
They would remove the inquiries then they would put them back on, I do n't know why they would do that, only Trans union and Equifax are the ones that keep doing it. I have some letters from some of the creditors letting me know that they have requested that the inquiry be removed. I let them know that I did not apply for credit for any vehicle at any XXXX XXXX they ran my credit 17 times in one day, at one time I had worked to hard to build my credit no way would I consent to this. They are all on XXXX XXXX, 2014 with XXXX on XXXX XXXX, 2014 I have asked them to remove them I have written all the creditors as well as the credit bureaus and still they do the same thing please help me I am at a lost here. If the other creditors know this was not me then they should to I have written all of them.

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 2016-11-19
Company: Platinum Holdings Group, LLC
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
My place of employment received a call from a XXXX from Worldwide Recoveries , LLC, telling my secretary that I was going to be served legal papers at work that day unless I called them back. I called, and XXXX never disclosed that it was a call from a debt collector at any point during the conversation. He proceeded to inform me that I had allegedly taken out a loan from XXXX ( which is not licensed to loan in WA, where I live ) for {$400.00}, which is now somehow {$1100.00}. I told him I was not aware of this and demanded verification of the debt. He then told me I was just trying to stall and that I would be served papers that day at work and sued and my wages garnished if I did n't pay immediately, because " it 's really easy to get wage garnishment in Washington ''. A few days later, I got a " settlement offer '' letter in the mail. This letter claims that I authorized a payment to be taken from my bank account ( I never authorized anything, nor did I give them my baking information ) and the letter claims that if payment is n't made they 'll revoke their " offer ''. They did not send verification of the debt, nor did they provide their professional license number to collect in Washington State as I requested. They are using illegal collection tactics : Calling me at work after they 've been told not to, disclosing information to my employer, threatening to show up at my work to serve me immediately, threatening to garnish my wages without notice and calling me repeatedly to harass, intimidate and threaten me, and sending a letter saying they are taking money from my account which I never authorized. They continue to call after a cease and desist letter was sent to them, and after I requested a verification of the debt - by law, they can not contact me again until they have done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: DISCOVER BANK
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I was unlawfully discriminated by Discover Student Loans. 

I am a co-signer for my sons attending a public university in Maryland. 
The announced XXXX student loan rates today are starting with 3.49 % ( as announced at https : //www.discover.comXXXX ). I have a stable income above average and exceptional credit score XXXX ( exceptional credit score, as defined at XXXX ). However, Discover Student Loans generate the interest rate 4.99 %, that is 1.5 % above the announced best rate 3.49 %. 

Suspecting a mistake, I called to Discover student Loans and takled to 4 employees : 1. XXXX - representative 2. XXXX - representative 3. XXXX XXXX - supervisor 4. XXXX, emp. # XXXX - sr. supervisor These employees and supervisors at Discover Student Loans told me that : a. The decision was made by a secret proprietary algorithm b. Discover, in violation of Federal Law, keeps their criteria secret and they are not allowed to explain me why I was penalized for additional 1.5 % despite my exceptionally high credit rate. 
c. They told that they are involved in market competition and recently developed a scheme to advertise a low interest rate but generate for applications. 
d. Senior supervisor XXXX ( emp. # XXXX ) specifically said that they will not disclose the criteria for best rate and if anybody is getting it. 

Looks like I am a victim of an illegal scheme developed at Discover Student Loans : a low rate 3.49 % is announced, a person with exceptional credit score gets a high rate 4.99 % generated by their secret algorithm and they refuse to explain it. 

Please investigate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was called by my bank indicating my credit score dropped drastically. 
XXXX XXXX charged me an annual fee and did NOT notify me or call but indicated I have not paid it and am passed due. 
One customer service person said I owed {$89.00} since last XXXX. 
The supervisor said it was due XX/XX/XXXX. 
I was never notified instead they reported me late. 
They would not reverse the charge unless I closed the account. 
They need to remove any late dings to my report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XX/XX/XXXX, I filed a complaint with you regarding the PIONEER CREDIT RECOVERY, INC. due to their inappropriate behavior towards me when my account was sent to them by NAVIENT SERVICING. I contacted PIONEER, as you recommended, but they were persistent in trying to get me to commit to a " repayment '' plan. Again, I insisted their involvement was in error, and that I would not make any commitment with them. I also told them I had been attempting to get in contact with NAVIENT, but could not reach a person to talk with directly. The PIONEER representative gave me a " direct line '' phone number that actually was the same as the one I had been using. I even attempted to contact NAVIENT online, but my password was not accepted. 
Since then, I have attempted to get in touch with NAVIENT in order to straighten out this matter. I immediately contacted NAVIENT, again, after receiving your " resolution '' regarding PIONEER, in XX/XX/XXXX. As I stated before, my account should have never been sent to PIONEER, in the first place. In XX/XX/XXXX, I had made payments to NAVIENT totaling XXXX ( {$1200.00} ). On XX/XX/XXXX, I finally received a response to my fax from NAVIENT regarding this, however THEIR accounting of my payments were, also in error. 
According to PIONEER 's correspondence, they said I had gone in default in XX/XX/XXXX, which is also not correct. I contacted my bank, and requested statements since XX/XX/XXXX. My statements further indicate I had been making payments to XXXX, and then NAVIENT. At the time, I was also under a DEFERMENT, but wanted to make a " good faith '' payment, anyway. 
The latest communication I have received is from PIONEER, again. They have " threatened '' to garnish my salary! Once again, I have FAXED twice to NAVIENT to attempt some sort of resolution with them. Again, my account should NOT have been sent to PIONEER, and I want to make an accurate accounting regarding past payments, and resolutions with NAVIENT that do not include PIONEER. 
Succinctly : 1. I want the " harassment '' to cease from PIONEER. 
2. I want to speak DIRECTLY with NAVIENT regarding the accounting of previous payments since XX/XX/XXXX. 
3. I am willing to make/continue making payments to NAVIENT once this matter is resolved ( my payments of {$200.00} each, were sent back to my bank when NAVIENT claimed no record of my account with them ). 
All of this is extremely disturbing. I would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
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:
On XX/XX/21 I MAILED IN VIA CERTIFIED MAIL TO EQUIFAX MULTIPLE DISPUTE LETTERS REGUARDING '' FRAUDULENT AND UNAUTHORIZED HARD INQUIRES ON MY CREDIT REPORT THAT I WOULD LIKE TO HAVE DELETED IMMEDIATELY SINCE I DIDNT CONSENT FOR THE SAID COMPANIES TO PULL MY CREDIT REPORT! I LATER CALLED EQUIFAX ON XX/XX/21 TO CHE6 THE STAUS OF MY DISPUTE! THE CUSTOMER SERVICE REPRESENTATIVE STATED THAT IT ALREADY CONCLUDED ITS INVESTIGATION AND THAT THE HARD INQUIRIES HAVE TO STAY ON MY REPORT FOR 7 YEARS EVEN THOUGH I DID " NOT AUTHORIZE '' THEM! I SENT IN SUPPORT DOCUMENTS THAT I DIDNT BUT YET THE CUSTOMER SERVICE SAYS THAT MUST REMAIN ON WHEN THERE '' FRAUDULENT '' THIS COMPANY HAS LACK OF EMPATHY FOR THEIR CUSTOMERS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted each credit company at least 4 times and provided all of the proof that I have to verify my address as well as to make them aware that someone has been using my identity. I lost my phone which was in a carry case that included my Id, social and debit card. I canceled my card and replace the other items. I was not aware that my identity was being used until I received a statement from XXXX. I had never applied for an account with this bank. I called as soon as I got the statement and told them the account was fraudulent and they closed the account while I was on the call. From there I ordered a report only to discover countless inquires as well as a pay day loan that was not authorized by me. This has been a stressful process and I 'm trying my best to fix this situation. I keep getting the run around.

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 2021-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Called Bank of America on XX/XX/21 to inquire what types of hardship programs they available during covid 19 hardships. The only program they have is to defer ur payment for one month. They are not willing to work on lowering the interest rate or the minimum payment amount due and they dont have a 6 or 12 month program for hardship they have nothing except the one month payment deferral. Which makes it difficult to pay ur bill when u are in unemployed and still have not received any payments from the unemployment office because its Pa unemployment

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: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this date was paid and its still showing negative on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Colony Brands, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation