BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: Exeter Finance Corp.
State: TX
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:
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited Drivers Select of XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I  have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: U.S. BANCORP
State: WI
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:
XXXX XXXX reported my student loan 30 days past due. I am currently enrolled in school and my loan should be in either deferment or forbearance. Payments have been made on this account for month after month and they were not willing to budge on a goodwill removal. I called in once and the first representative told me they could carry out the removal from my credit report and after not hearing anything, I called in again the next day and was told the exact opposite information. I have never seen a student loan that reported at 30 days past due. 60 days is the standard. This practice is a very poor one and crippling to students trying to get an education. No flexibility whatsoever.

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 2020-10-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and  notarized to XXXX, XXXX  and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX  and XXXX and 30 days Non Response to XXXX. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to XXXX  and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to XXXX, XXXX and  XXXX. The three credit bureau continued to report this Unverified Account. 

At the same time I sent several dispute letters to Midland Credit Management. Midland Credit Management responded to each of my letters with a letter of their own. Their letter states We have Received and processed your dispute. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found that our information is correct. They failed to validate the account and provide me with any contract or agreement that I signed.All they have and continue to send is letters saying they  validate the debt and a billing statement. Midland Credit Management continued to report this Unverified Account.

Midland Credit Management, XXXX, XXXX and XXXX  needs to be held accountable for their misleading, false reporting and lack of a investigation.

XXXX, XXXX  and XXXX has NOT provided me with who verified these accounts?
a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified. 

XXXX, XXXX and XXXX  has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX, The firSt one is XXXX XXXX {$400.00}, I have notifications from Equifax showing this was paid and removed. I 've disputed with XXXX XXXX and XXXX. Equifax removed this debt and it showed paid. Then all the sudden. In remarks it showed I was disputing the paid account in remarks.. It was then re-inserted on all XXXX reports. I 've read case law where this is against consumer laws and bureaus could pay monetary damage. I was never notified of it being added back to reports. I myself found it. Next, Again is XXXX XXXX XXXX, XXXX.. This was a XXXX XXXX account. Back in 2012 it was added to my reports but with inaccurate information the amount being XXXX.. I disputed it was removed. SUDDENLY in XX/XX/XXXX out of no where this shows back up being reinstated on my reports under 2 different companies appearing as a different account. 5 years later. I had my debt cleaned up. I had 2 accounts left to clear up. It again is against consumer rights to have something removed and reinstated years later. They 've damaged my score and has made my credit to appear horrible and caused harm. Third and final .. XXXX XXXX. I noticed a bill from a Gas company on my report. I did some investigation and it was in another state.. West Virginia and an address had been added to my credit report like I lived at said address. I sent Equifax proof, everything they requested to show I had not lived there. Utility bill, Id, tax returns. Equifax and XXXX XXXX removed the account from my report. XXXX has not. Equifax has not removed the address associated as they said they would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: Bread Financial Holdings, Inc.
State: KS
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} Date opened : XX/XX/2015 ; XXXX XXXX Balance {$0.00} Date opened : XX/XX/2015 ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I believe that BestBuy/Citi Bank has violated the General Disclosure Requirements as outline in Regulation Z, 1026.9 ( c ) ( 2 ) ( ii ). I recently made a instore purchase using my BestBuy/Citi Bank credit  card on XX/XX/20 But I received a credit alert yesterday that my credit score drop over 30points directly affected by going over the limit on my Citi Bank credit card. With review of my credit I noticed that Citi Bank is reporting my credit limit as {$2000.00} but my current balance was {$2700.00}. I contacted Citi Bank today to inform them of the error and to request them to correct my credit limit accordingly they then informed me that my credit limit was the {$2000.00} but that they " sometimes allow consumers to go over the limit to help them complete their purchases ''? I explained that I was not informed verbally or in writing acknowledging that I wanted or even requested to exceed my credit limit. Citi Bank stated because of limited share  data Best Buy can not see what the consumer credit limit is so they dont know if going over or not, so its on Citi Bank approving the transaction on their end. I advised again that I was not informed and asked where in my credit card agreement that I accepted the terms that Citi Bank can " sometimes allow to exceed over the limit charges '' Citi Bank was unable to identify where it was in my agreement. Citi Banks failure to follow the Reg Z disclosure statement requirement has negatively affected my credit score and my credit reputation. This approval practice by Citi Bank is unbelievable and unacceptable and is damaging consumers credit reputations and must be stopped!!!

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the following was mailed to all credit beaus FCRA 623 ( a ) ( 7 ) Negative Information Police Report ID Theft Affidavit

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 2021-05-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$590.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hard Inquiries appearing but not placed b me the following Hard Inquiries were not made by me XXXX XXXX   XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX Equifax please provide all methods used to verify this as accurate nd all tools used to verify these accounts as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX the due date of the Capital One Walmart card was changed to the XX/XX/XXXX. I could see this information at the end of XX/XX/XXXX when I checked my account online. It stated that {$28.00} minimum due on the XX/XX/XXXX. However when I went to pay the bill on the XX/XX/XXXX I noticed that I had received a past due fee of {$28.00} on the XX/XX/XXXX. I called today the XX/XX/XXXX and requested to know why if the online screen of their company showed a due date of the XX/XX/XXXX that I was charged a late fee of {$28.00} on the XX/XX/XXXX. 
The rep i was talking to said that even though the online screen showed a date of the XX/XX/XXXX that the statement ( which i had in XX/XX/XXXX signed up to have the statements delivered via email ) stated the XX/XX/XXXX was the due date and that is what they have to go by. I asked specifically why then does the web site say i have until the XX/XX/XXXX to pay the minimum due? That is extremely miss leading. He didn't have any answer for that. So i don't know how many other customers are having this happen where the online screen shows a due date and yet the company is going by a different one and charging fees accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I obtained a used car loan from TD Bank with and they had my address incorrect for the first 3 months of my loan period. I called numerous times, tried to set up auto pay and I paid {$1200.00} last month. My payment of only {$590.00} and somehow I was charged another {$57.00} in late charges? I am only on my 6th payment and I am fairly certain I have been charged the same fee EVERY TIME. I called on a Saturday ( my day off ) and begged! to speak with a Supervisor because I have a 100 % on time payment history and work with everyone I have debt with to pay on time so this is no different except they will not take responsibility for dropping the ball. I'm looking at my statement and none of it makes sense. The statement date is XX/XX/XXXX but my payment is due XX/XX/XXXX. The statement doesn't tell me my interest rate, why or when the fee was charged or what the billing cycle even is. How have statements evolved to provide NO IMPORTANT information. The statement date is the XX/XX/XXXX but I got it today, XX/XX/XXXX which gives me 12 days to make a payment or get charged 10 % as a late fee?? I demand all of the fees be credited to my loan because I asked for a supervisor to call MONTHS ago and no call. I have no way of resolving this if the person I am talking to has no authority and nobody follows up with you forcing you to CALL AGAIN. I told her there is no difference to me to pay on XXXX or any other day of the month so why would I take a late fee. I am barely scraping by because I have made no money this year so why would I pay 10 % fees on loan I was told I can't refinance even though the rate on this loan is 7 %! They say they are about customer service but I have gotten no help, empathy or support while I try to resolve this. Again, I pad {$1200.00} on XX/XX/XXXX and the current amount due dated XX/XX/XXXX should a assessed late charge. I've basically paid {$360.00} EXTRA in fees. They don't even tell you how much you pay in interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX pulled my credit without consent on XX/XX/2019 and XX/XX/2019. These were results of card replacements with one due to fraudulent activity.  I disputed with credit bureau with no success and XX/XX/XXXX also refuse to move stating they have the right to pull whenever per my initial 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 explanation
Consumer complaint received 2018-04-04
Company: Harris & Harris, Ltd.
State: PA
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:
In XX/XX/XXXX, I had a medical procedure carried out at XXXX XXXX XXXX ( XXXX XXXX ), XXXX, XXXX by a doctor from XXXX XXXX XXXX and disputed the massive bills received, without response them. So I lodged a complaint with the XXXX AG 's office as I resided in that state at the time. In early XX/XX/XXXX I moved to XXXX so the AG transferred my complaint to the XXXX AG. For the purposes of this complaint, XXXX XXXX billed me on XX/XX/XXXX for {$5400.00} with a due date of XX/XX/XXXX. I received this bill on the same day I received a Delinquency Notice from Harris & Harris , Ltd of Illinois for {$6200.00}, made up of the {$5400.00} amount mentioned and an earlier claim for {$800.00}, which was subject to my original complaint.

So, either XXXX XXXX transferred a debt to Harris & Harris that had not reached its due date, or Harris & Harris are trying to scam me for a debt that is not owed and which is subject to an AG investigation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Accounts are showing as open but are in collections.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: TX
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2021-03-26
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Actually, numerous issues, but I'll combine them into this one complaint for now. Signed up for the Citibank XXXX XXXX XXXX credit card on XX/XX/2021 after several days seeing adds for {$50.00} reward plus {$5.00} per {$100.00} spent with new card enrollment, and made a purchase that day. The {$50.00} special award disappeared, no sign of it anywhere, and whenever I was able to get a live person, I just got a confused response as if they'd never heard of this {$50.00} bonus offer. 

Have been unsuccessful on numerous occasions getting anyone by phone or any true responses via secure email. IF their site recognizes your credentials, about 50 % rate, your secure emails requesting only general information on the whether the {$5.00} reward per {$100.00} spent was legit, and how it worked are met with refusal to put anything in writing and insistence to call them, at XXXX. This puts you into an automated system that keeps going around in circles getting your account credentials and social security number in spoken or touchtone, but never passing you to a person. 

I've requested they close the account since they obviously DO NOT honor either the {$50.00} special award, or {$5.00} per {$100.00} spent. I will NOT use Citibank nor XXXX XXXX XXXX again, and think they need to be stopped! Anyone thinking of doing business with either XXXX XXXX XXXX or Citibank needs to know they are fraudsters who DO NOT HONOR REWARDS OFFERS, and don't put terms in writing.

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 monetary relief
Consumer complaint received 2022-01-19
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdrafted my checking account by about XXXX $ on XX/XX/22. Accidental payment. Was charged XXXX $ overdraft fee on XX/XX/22. Did not know account was overdrawn. XX/XX/22 receive automated email from bank that account is below set funds limit ( personally set funds limit to XXXX $ ). I was charged an overdraft fee before I had time to correct it and automated message was delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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:
XXXX, Equifax, XXXX and XXXX XXXX  XXXX HIPPA Laws and Rules. 
XXXX. XXXX, Equifax, XXXX, XXXX in violation of FCRA Act Unauthorized access to my credit file. 
XXXX. Don't owe a {$1300.00} medical bill. 
XXXX. Unauthorized disclosure of medical information. 
XXXX. I have been harmed by inaccurate crediting reporting. 
XXXX. XXXX XXXX, XXXX, Equifax, XXXX illegally accessed my frozen credit file for profit.

Company response to consumer: Closed with explanation