BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had this Citibank credit card since XX/XX/XXXX. 

In XX/XX/XXXX Citibank raised the limit on my card from {$10000.00} to {$14000.00}. 

As of XX/XX/XXXX, the balance on that Citi card account was {$13000.00} To improve my credit score and eliminate revolving debt, I recently took a significant amount of savings and paid off or paid down all my credit cards with balances. 

On XX/XX/XXXX I paid {$10000.00} ( over 70 % of the balance ) to this Citi card account. 

The paydown on the account immediately triggered what the company calls a " periodic review '' of the account, and the limit on the card was slashed by {$10000.00} ( the same 70 % that had been PAID ) when the statement for the account closed a few days later on XX/XX/XXXX. 

The new limit is {$3400.00} and with the interest charged to the account at the end of the billing cycle, the card is now OVER LIMIT instead of having more than 70 % of the limit available. 

This is a predatory practice to justify higher interest rates and to prevent consumers from improving their credit score by paying down their balances. 

The company claims that the review of the account is " random '', but the timing, so close to the large payment is highly suspicious. Previous reviews of the account have appeared to occur on an annual basis in XXXX, the month the account was originally opened. 

They cited credit bureau information of accounts with " balances too close to the limit '', which I was addressing by paying such a significant amount to the account -- a situation they have ensured will continue on this account by their direct and intentional action of lowering the limit down to the new balance.

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 2016-03-25
Company: Exeter Finance Corp.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I requested for a due date change on a car loan I secured from Exeter Finance Corporation immediately after I secured the loan ( XX/XX/2015 ) because I get paid at end of each month. I was told to do so after I make a complete payment. After I made a first complete payment, they told me I have to wait again till I get my account caught up because the second time, I had requested too close to my due date ( of XXXX of the month ). On XX/XX/XXXX I requested again immediately after I made my payment as was advised to do. They said they will contact me once it 's approved. No one called so I called again around XXXX XXXX. and they told me it was approved on XXXX XXXX. thus changing my due date to end of each month, and I should just wait till the responsible department updates the system. I waited, waited and now almost XX/XX/XXXX I keep getting more calls saying my payment is past due and I owe an extra $ XXXX/more in fees. 
This does not seem like missing to call me or coincidence. It seems like a well coordinated deceitful practice to fleece the customer. I 've been requesting for a due date change on a newly acquired loan for months and when they finally approved it on XXXX XXXX they still trying to come up with something else to steal from me. This is unacceptable and fraudulent. I have sent a letter through their website, called XXXX which is supposed to be their corporate headquarters but it 's never answered though I left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to my Bank branch and requested to close my account. The teller wend ahead and closed the account and gave me the balance in the account. I asked the teller at this time whether any other charges or loans could go through the account now that it has been closed. The teller told me that no other transactions could go through and that the account was closed. This was on a Wednesday around noon. On Friday my payday loan payment was allowed to go through this closed account and I get an email telling me my account is overdrawn. I call the bank and speak to a representative and ask why did this loan payment go through. The representative advises me that the account is not officially closed for 24 business hours. I advised that this is not what I was told on the day I closed my account. The representative then tells me I can dispute this transaction. He puts me on hold and 10 minutes later brings on a representative from disputes. After speaking with the representative from disputes, I find out that this is a waste of my time since the transaction was legitimately mine and this dispute would do nothing but keep the account open. I told the representative to forget the dispute, thinking that at least the account would close. I then went and talked to a teller from my other bank and asked if I closed my account would charges and loans be allowed to go through. She said no. Then on this Friday another payday payment was allowed to go through this closed account. So now there is a negative balance of over {$400.00} with {$70.00} nsf fees. I call the bank again asking why this happened and was informed by a so called manager that the account is not closed and will not close until I pay off the negative balance. I do not understand how a bank can hold someone hostage like this. I was under the impression that if you did not have the money to pay the transaction they would return it. And especially if the account is closed. I put that debt into debt consolidation program which I have to make payments on. I do not have extra money to pay the bank the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: STERLING JEWELERS, INC.
State: VA
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:
The credit reporting agency allowed the same company to be listed as a charge off on my report and a collection under two different names but they are the same Kay Jewelers also known as Sterling Jewelers. Kay Jewelers put a charge off on my report in XXXX but did not issuse a 1099 from the IRS. On XX/XX/XXXX nearly eight years later the same company reissues a collection account brand new on my report. XXXX XXXX XXXX opened and old charged off account nearly eight years old as a new collection. The collection agency claims this fraud is allowed for the same company to continue open old accounts as new causing great economic harm to my family. XXXX XXXX XXXX knowingly and fraudulently opened an eight year charged off account as new, this is not legal. I have filed numerous disputes with the agencies biut to na avail. XXXX XXXX XXXX are fraudulently opening up new collection accounts under a different name. Kay Jewlers and Sterling Jewlers are the same compnay. This company is trying to apply double jepoardy by destroying my report and using criminal fraudulent tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquiries on my report, after contacting the main bureaus to dispute the matter I was told to complete an FTC complaint. I did that yet no changes have been made to my credit report. I wasd then told to file a police report. Once filing a police report with XXXX Police Department, I was then only given an incident number NOT a police report. I Have attempted to explain this to various customer service representatives however, they continue to say they are unable to help me.

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 2020-11-18
Company: Lockhart, Morris & Montgomery Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently obtained a copy of my credit report. Lockhart Morris & MO continues to violate my rights according to Fair Debt Collection Practice Act. Also this company is in voilations according to 15 USC 1692. This defaming my character which is a violation of 15 USC 1692d. I have attched a copy of my FTC and my license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been sending certified letters to Comenity Bank/Victoria Secret, my account # XXXX XXXX XXXX XXXX, to update and report correctly to the credit bureaus. I have been diligently paying my store credit card and have gone beyond expectations to ensure that my balance has been brought down in order for me to keep a valuable relationship with the store and also repair my credit report/score. I met the expectations of the company and beyond, making additional payments on a regular basis. Now my balance is down to {$800.00} and my credit report shows {$1400.00} dated XX/XX/2020. I am constantly calling and requesting this to be updated and their process, and also sending certified letters. No response via mail and via phone the representative simply states it is up to the credit bureaus. 
To date no credit bureau, XXXX, XXXX or XXXX  have my correct information. 
I am sincerely trying to repair my credit and would like current accurate information in order for me to do so. Incidents like this prevent me from pursuing other creditors or stores. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX ( XXXX, XXXX, XXXX, XXXX ) - and the credit bureaus are reporting SEVERAL inaccurate ACCOUNTS as well as they are in violation of the Bankruptcy courts - the XXXX XXXX! 
This account was included in my DISCHARGED bankruptcy yet they are still reporting monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.

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 2016-05-24
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number ( XXXX ) has called my father multiple times in the past two months! how can it be legal for them to harrass my poor father who works as a bread route driver has called my father 5-6 days a week? 
unreal! they call asking for me. Also I have never used his number in any bank or credit applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions 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:
I sent Experian a complaint yesterday ( XX/XX/2020 ) and they responded today stating they took no action because they believe the complaint didn't come directly from me the disputing consumer personally. This is not acceptable and a deliberate delay tactic to stall from deleting the fraudulent false negative accounts on my Experian credit report. I have attached personal identification below to prove this is all coming directly from me the consumer. 

If Experian believes this complaint isn't coming directly from me the consumer, they must provide proof with documentation to validate this claim. Otherwise delete all false accounts from my report immediately. I implore the CFPB to help hold Experian accountable and not let them delay solving the real issue here.

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 2022-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX, Portfolio Recovery Associates, LLC - I disputed this account XX/XX/XXXX I asked for validation and requested a cease and desist of all communication. I recieved a letter from Portfolio Recovery ( Highlighted Dates ). Every month sence then I have been recieved a letter from Portfolio Recovery. Some times twice in one month. I have XXXX letter sense XX/XX/XXXX. I wrote another cease communication letter and sent it certified mail XX/XX/XXXX asking the to provide me with the sign contract from the original creditor with my signature on it and to cease and desist communiccation again! Hopefully they will stop by if not I will collect that letter and send another complaint till CFPB punishes them with a harassment with a fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX ( XXXX, XXXX, XXXX, XXXX ) - and the credit bureaus are reporting SEVERAL inaccurate ACCOUNTS as well as they are in violation of the Bankruptcy courts - the XXXX XXXX! 
This account was included in my DISCHARGED bankruptcy yet they are still reporting monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.

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 2020-08-13
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute on XXXX XX/XX/2020. This dispute was against XXXX. I had filed the same dispute with XXXX and after they investigated they agreed to remove the negative remark from my report. XXXX and Equifax have been difficult to work with and both companies have been hard to get a hold of. This account with XXXX has been paid off. I have the title of the vehicle in my possession. This account is also included in the current settlement XXXX is facing. I am a father to XXXX children looking to buy our first home. These negative remarks that are not relevant or applicable are severely affecting my ability to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Santander Consumer USA Holdings 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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute on XXXX XX/XX/2020. This dispute was against Santander. I had filed the same dispute with XXXX and after they investigated they agreed to remove the negative remark from my report. XXXX and XXXX have been difficult to work with and both companies have been hard to get a hold of. This account with Santander has been paid off. I have the title of the vehicle in my possession. This account is also included in the current settlement Santander is facing. I am a father to XXXX children looking to buy our first home. These negative remarks that are not relevant or applicable are severely affecting my ability to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Received notice to collect debt, call collection services and explaned that I was retired and XXXX had fixed income and offered to pay what I could afford, which was {$10.00} a month, and told that of the {$1100.00} a month I recieve I owe {$1000.00} a month in bills, Ihave {$100.00} a month to live on I thought that resonable, they said yes I asked for letter in writing and I would start paying, they said no just start paying I said without letter or Email I would not. I repeated this offer XXXX more time to different reps. Then was put on my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ChexSystem Consumer ID : XXXX My Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Chexsystem have been reporting very low score on my name. 
I have been denied bank account opening with few credit unions due to wrong reporting by ChexSystem. 

Following is Facts on my account. 
1. I never have checks return due to insufficient funds. 
2. I was never late on payment or credit card or Loans 3. Almost all accounts I have opened or try to open is saving or Certificate of Deposit Accounts Due to ChexSystem Error or wrong reporting I was not able to open accounts with many credit union and lost opportunity to earn interest. 

I personally believe either ChexSystem has wrong information on my name or whole Reporting System in unfair and deceptive. It should be corrected as soon as possible and also correct system so in future person like me can not be victims of wrong or incorrect reporting by chexsystem

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 2020-11-18
Company: U.S. BANCORP
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 status incorrect

Complaint:
Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise 25 year perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.

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 2016-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX contacted my place of work to attempt to collect a debt. I 've also has XXXX XXXX call my place of work to collect a debt as well. They have contacted me repeatedly after I 've told them to not call my place of work. They have also left information with managers and our HR department along with messages asking for me.

Company response to consumer: Closed with explanation