BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: NY
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 am submitting this dispute about my XXXX MasterCard credit card. My score just dropped 101 points on my credit report as XXXX  credit card did not do as we agreed. Due to being laid off from work due to corona virus my job has laid me off. I worked out a agreement with XXXX MasterCard that I will make payments as much as I can till I can bring the account current. I was told it would not be reported to the credit reporting agencies due to the natural disaster. Today I checked my credit score with my XXXX card and my score went down by 101 points. I am very upset as I confirmed a few times with XXXX MasterCard when I spoke to them that my credit would not be affected and reported as delinquent but it was.

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 2016-10-14
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have a private loan with a co-signer through Navient. I have been making auto payments for as long as I can remember and I check my bank statement every month to make sure the payment was made. I get an email notice from Navient each month telling me they received my payment and when my next payment is due. My co-signer is getting calls twice a day about the payments not being made. I have contacted Navient asking that they no longer make the calls to the co-signer and am told that they wo n't ; the next thing I know my co-signer is receiving calls again. I do n't have a street address as to where I can sent a certified letter asking that they cease all calls as it seems that the verbal and emails are not getting the point across. I am so tired of dealing with Navient, I have asked that all my loans be consolidated and they tell me that the can only consolidate the Federal Student loans and not the private loans, even though they are the lender that holds both loans. My school is n't listed below it is XXXX College - XXXX XXXX Minnesota - the only campus that is listed for Minnesota is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I have a Citibank card through Home Depot, card ending in XXXX I have closed this account as I am not working and unemployed. I went on a plan to pay citibank {$25.00} a month until the credit card is paid off. My first two payments I made Citibank put into other accounts and did not credit me the money. They kept calling me and were extremely rude to me on the phone. I explained I paid, not only the current month, but next month 's payment early. They said they receive no payments. THEY DID. The supervisor realized how Citibank internal process routed my money to the wrong account and mistakenly sent one payment back to my bank. They apologized and gave me a slight credit on this account for the over 3 hours I spent on the phone clearing this up. 

NOW, Citibank found another mysterious account and is harassing me. I have asked them to stop calling my cell phone which I use as my home phone. My home line is just used for business faxes and emergencies. Now, Citibank is calling this line. Citibank is constantly calling my home fax line with a recording, even on Sunday AM. I asked them to communicate through mail with me but they continue to call me. I told them I do not know of any open account I have besides the Home Dept Account ending in XXXX. 

These draconian and rude practices are against the Fair Credit Reporting Act. After I set up a payment schedule on the Citibank card I know about, after they lost my payments, Citibank is now trying to collect on some other card I have never heard of. Citibank is harassing my family and me, on phone lines I have asked them not to call.

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 2015-04-23
Company: Constar Financial Services, LLC
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This company has contacted me when I told them not to contact me during my work hours which are XXXX XXXX to XXXX XXXX. I received a call at 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 2015-12-10
Company: Gatestone & Co. International Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Gate stone collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: Experian Information Solutions 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:
I have paid off my account which is now a XXXX balance. The last reporting on my credit report is showing that I owe more than {$1900.00} balance and XXXX XXXX  Account ( XXXX XXXX ; Main account holder and fiance ) ; Account # XXXX. Please rectify this issue to show a XXXX balance and that I am in good standing with a XXXX  balance. XXXX stated that there was an error per phone call ( which is FCC regulated and confirmed via recording ), according to the Fair Credit Reporting Act. Please fix this issue immediately as I am buying a new home and this has negatively impacted my score to do so due to the debt to income ratios.

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 2016-02-12
Company: Netspend Corporation
State: GA
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Fraud or scam

Complaint:
I 'm having a problem with netspend I requested a card and it 's been almost a month and have not received it so I requested a new card to be expedited through XXXX. I called back for a tracking number and they could n't provide one because a card was never sent out. They have my tax refund and do n't even release it to another netspend card, that I, have. Can you please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
A credit card is showing me as a secondary on the account although I DO NOT have a card, do not know the credit card number or the account number and have never used the card or even had access to a card associated with this account. The card was opened in XXXX by my then fiance. I assumed that when the account appeared on my credit report it was showing in error so when I filed bankruptcy on XXXX I included what card info appeared on my credit report for this account which basically amounted to the card name and address of the account. I recently used XXXX  XXXX  to check my credit and was surprised to see Transunion still reporting the card as mine so I called the credit card company on XX/XX/XXXX to ask how to go about removing the info from my credit report and I was told that I was a secondary on a joint account and that I could not remove myself. I was also told that adding it to my XXXX bankruptcy did absolutely nothing to rectify the situation because I was not the primary card holder on the account. The primary cardholder keeps his balance very close to his credit limit and in turn it shows on my credit as using a very high amount of the credit available to me which I dont think is fair to me seeing as I did not use the account to incur any of this debt that I am now being told I could be held responsible for with no way to remove myself. I'm being told that this is possibly a form of identity theft seeing as I was never consulted by my then fiance about opening this account jointly. And I am also being told that since I am only a secondary I may not have as many rights in working toward a resolution.

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 2017-12-29
Company: Diversified Consultants, Inc.
State: VT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
We have received multiple telephone calls from a company called " Diversified Consultants, Inc. '' Their number is XXXX. They have called several times and just hung up when we answer the phone. I just called their number and spoke with a " XXXX XXXX. '' XXXX said he was calling for XXXX XXXX and that we were " headed to court. '' I told this XXXX we did not subscribe to XXXX, or rather tried to, but he continuously spoke over me, and refused to listen to me at all. We subscribe to XXXX and have for some time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-09
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/19 I received a refund for a purchase. I had a positive balance on the card, in my favor. 

On XX/XX/19 I made a call, hoping to get the positive balance sent to me in check form. The gal I spoke with told me that they could to a direct transfer to the checking account linked to the credit card account. She said this would happen in 7 days. 

XX/XX/19 I made another call because the balance transfer to my checking account still had not happened. 
I was told it was pending, and it should be complete by XX/XX/19. 

I called again on XX/XX/19. This time, I was told it was in the process, but they could not give me a time by which this would happen. I had to simply wait, and they would contact me via e-mail or text when it had occurred. Basically saying, don't bother us about this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I mailed a letter requesting validation which is my legal right according to Fair Debt Collection Practices Act. It has been over thirty days and I have yet to receive an response from the company in regards to Account # XXXX XXXX XXXX # XXXX. The company responded to XXXX  but now to myself as the consumer. This company is not in compliance with The right to dispute the debt and receive validation are part of the consumer 's rights under the United States Federal Fair Debt Collection Practices Act ( FDCPA ) and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. I asked the company to please validate by providing the following. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent I this company can not respond I will nee this information forwarded to the Attorney Generals office. CC : FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a request from Discover Card of which I have been an account holder for over 15 years ( account ending XXXX ) for my IRS federal tax returns, for no apparent reasons. Discover disabled my online access making it difficult to continue making payments. I refused to provide them with my very confidential and sensitive personal tax returns because it is illegal, and they could not come up with any valid reason other than verifying my name and address, which I told them could have been verified by DMV records or any other records, but not IRS. Credit card company has no right to request my taxpayer information if I did not request a new account, credit limit increase, I was never on default, I was never over the credit limit. I have excellent standing with Discover, and after I refused to provide this extremely sensitive personal information such as a person 's tax returns, Discover closed my account. Nowhere in my card agreement it stated that credit card company can request your tax return information. Is it even legal for Discover or any other credit card company to do it after they already granted me credit over 15 years ago and I maintained spotless credit standing with them????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi, I opened up a CitiGold checking account back in XXXX 2015 using a promotion that would give me XXXX XXXX XXXX miles once I 've made XXXX bill pays and {$1000.00} in purchases on my debit card. I completed the requirements and had n't seen my points post yet. I had several calls with their rep that confirmed that I would see the miles posting within 60 days. After constantly calling the rep and sending a secure message they would change their mind and said I was n't qualified for the promotion only after they took over 20k sitting in their account so i would n't get charge a min fee and had me do bill payments and debit charges to later disallow me saying it was only for new customer with out ever being part of the original terms of agreement.

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 2019-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a secured credit card account with Orchard Bank in XX/XX/XXXX. I put {$200.00} of my money down as the security deposit. However Capital One took over Orchard Bank back in XX/XX/XXXX, so they became the new owners of my secured credit card. So now that I closed the account I have tried for months to get my {$200.00} security deposit back and I have talked to over 10 people and everyone keeps passing me around and no one can help. Im getting the run around from capital one and refusing to refund my security deposit. 

On XX/XX/XXXX I called Capital One to close my account and request my {$200.00} security deposit, however I was informed by customer services that I had to contact Orchard Bank to get it from them ; But, I refused and told them that Capital One needed to refund my money since they took over the account from Orchard bank. So XXXX senior supervisor was going to request an investigation to their back office and will take 5-10 business days to get an answer. Nevertheless I didnt hear from them so called again XX/XX/XXXX to follow up and I was told by XXXX supervisor that back office was still working on it. On XX/XX/XXXX called again since I hadnt heard anything yet, I was told by XXXX customer service that capital one will not issue a refund because when capital one took over it became an unsecured credit card and that it was nothing in their system that showed my account was a secured credit card. Therefore I requested to retrieve my original agreement I had with Orchard Bank, but he said he could only provide that one from XX/XX/XXXX when capital one took over the account. I refused and demanded my original agreement which XXXX the supervisor was going to request from their back office but until date I havent received or heard anything from capital one. 

Please help me because I don't think its fair that capital one is refusing to issue my refund just because is not in their system that my account was a secured credit card, I have no reason to lie besides if they had informed that my account was becoming unsecured when they took over, I would have requested my security deposit right away. But they never informed me and since I always paid the annual fee which was part of my secured credit card agreement I assumed was still a secured credit card rather than unsecured. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Convergence Outsourcing reported that on XX/XX/2019 that an account was opened. They then reported on XX/XX/2019 that account was diliquent. I was never contacted by this company at all and I have not opened any new accounts that could be reported as diliquent. I want real records and dates concerning this supposed debt and their liscence number for Ohio to collect any debt. I would like to know if it is standard practice to place a debt as diliquent without first contacting the person who is supposed to owe this debt?

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
credit bureaus allowed an incorrect account to be REplaced back onto my credit profile. They allowed the company that was found to be inaccurate and was removed, now they have allowed the same inaccurate account to be replaced on my credit report from a so called " sold account '' to a different collection company. The item was found to be inaccurate and was removed. The new collection company, NEVER sent me any correspondence. They simply placed an inaccurate account on my profile without reaching me with mailed correspondence.

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 2022-09-11
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
False claim of payment due From XXXX XXXX XXXX XXXX XXXX I rented an apartment through XXXX. I paid the rent for the first 1 1/2 years via cash directly handed to them at their office every month. Then after about 1 1/2 years they went digital and I was able to set up automatic monthly payments. 
in XXXX I received a bill for XXXX XXXX for damages to the apartment, ( I have photos that show there was no damage to the apartment ) I hired a lawyer and the management company backed out. 

Two plus years later I recieved a letter in XX/XX/XXXX from ProCom Services, a debit collection agency stating that I owe a month rent amount for the month of XXXX. I have bank statements showing I paid via automatic payments every month. 

Also after I showed ProCom proof of payment they then sent me, a few months later, a new debit of XXXX XXXX  of damages to the apartment. I have photos that show there was no damage to the apartment when I left. I hired a lawyer again back in XX/XX/XXXX to fight this claim. The lawyer did not hear anything back from ProCom after XX/XX/XXXX and then I found out a few days ago that since XXXX XXXX there is now a debit collection on my credit reports.

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