BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I plan to also send the below to Capital One, but I imagine I won't receive much attention as a single complainant. 

Re : Misleading savings account names and interest rates To whom it may concern : I am a longstanding client that began a savings account in 2006 with ING Direct. I have had my more substantial savings account with you since that time, using XXXX XXXX for my checking and smaller savings accounts. A large part of why I chose XXXX, and then stayed with you, was for the interest rates. When I just went to open a savings account with you for my kids, I noticed the extreme discrepancy in interest rates between my XXXX savings account that was " grandfathered '' ( .3 % ) and the XXXX performance savings accounts ( 4.15 % ). I am extremely disappointed. 

On multiple occasions, my financial planner has asked me if I wanted to move money from Capital One into a XXXX. I always declined as I was unaware of the differences in your accounts and that my account had been changed to a very low interest rate. I never received an email, call, or flyer in the mail explaining that my old floating rate account had now been locked into this very low interest rate and that there was a new account with much better terms. Further, the extremely similar names of your savings accounts are confusing and misleading. When I XXXX XXXX savings interest rate, the performance account rate comes up at 4.15 %, not my .3 %. I feel like I have been penalized for being a long-term client and have possibly lost thousands in interest due to this change. Two years ago, I had a balance of $ XXXX in my account with you. I had no idea that my interest rate had changed. I just opened a new performance account with you today so that I could start to receive an improved rate. Please see below for the language re : the transfer. This is very misleading for a typical customer. 

From : XXXX Savings, XXXX  To : XXXX Performance Savings, XXXX The names should be more differentiated from one another and existing clients should have been notified of the opportunity to change into a better-performing savings account or should have automatically been rolled into an account with better features. 

I certainly plan to pursue this further but am open to discussion/resolution if someone reaches out. I have spoken to a manager on the phone that agreed with my points but was unable to help me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-06
Company: Experian Information Solutions 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently started to gain interest in my credit and building it due to my mom, I made an account with identityiq to get a full report and noticed multiple unauthorized accounts as well as unauthorized inquires on my report and I'm lost on the fact that whoever was able to steal my identity or information, I was/am not aware of any of the accounts or inquiries. The fraudulent accounts are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent Inquires are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

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 2019-10-10
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:
XXXX ; XXXX and Transunion are reporting incorrectly on the XXXX XXXX   XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-10-10
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX  are reporting incorrectly on the XXXX XXXX XXXX/XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Nelnet, Inc.
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recently, I reviewed my XXXX credit report to learn that they're were 16 negative reports posted on my account that is affecting me credit score. When I reached to the debt collector about this problem they told me that the debt can not be corrected unless I was in the military or school during the 3 month period XXXX XXXX, XXXX, XXXX XXXX. 
First, I was unaware of this negative action since my other accounts had no reflection of 16 student loan account being in a negative status. 
Second, they told me that I did not call in to notify them to continue my financial hardship plan. I was not aware about this and I tried to get a permanent XXXX note from a doctor. 
Third, Does 3 months really have that much of an impact and can't this be corrected with some kind of adverse action? I also explain to them that all student loans should be in a positive status since there was a federal extension applied until the end of this year. 
I was furious about this matter and requested to speak with a supervisor for being penalized for 3 months. Why did Nelnet report 3 missed payments to the credit bureau 's when they never contacted me about this matter and since I tried to apply for a XXXX application those 3 months should have been forgiven. I was out of school for a period of 3 years until I re-enrolled the same year when the 3 months was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: KEYCORP
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am writing to address an issue I encountered during my recent visit to Key Bank in XXXX Ohio on XX/XX/XXXX, for a scheduled XXXXXXXX XXXX. appointment. 

During my visit, I expressed interest in obtaining a personal loan. The loan officer initially attempted to assess my eligibility using my boyfriend 's credit, but as he did not have an established credit history, we opted to use mine. Following this, I was informed that a response would be forthcoming, prompting my departure. 

On Monday, XX/XX/XXXX, at XXXX XXXX., I received a call indicating that I lacked any credit history. I took the opportunity to provide evidence to the contrary, citing my successful completion of car payments in XXXX without any delinquencies. 

Subsequently, I accessed XXXX to confirm my credit status. To my surprise, all records appeared to be absent. However, I possess screenshots from XXXX XXXX substantiating my credit history. The loan officer mentioned the need to consult with higher authorities, but regrettably, no follow-up communication ensued. 

With this in mind, I reached out once more on XX/XX/XXXX. Unfortunately, XXXX XXXX XXXX was unavailable, and I spoke with XXXX XXXX instead. I conveyed the circumstances, to which she suggested that I might not have sufficient credit history. In response, I provided a detailed explanation of my creditworthiness over the phone. XXXX XXXX indicated that a requirement for three open accounts to secure a personal loan is a misinformed assertion. 

Regrettably, I am compelled to express concerns of potential discrimination in this process. Given my longstanding association with XXXX XXXX 's family, particularly with her child, XXXX XXXX, I am disheartened by what appears to be a bias against me. 

As of my last inquiry, my credit score stands at XXXX, a figure that typically meets the criteria for a personal loan. I remain committed to working towards a satisfactory resolution to this matter. 

I kindly request a thorough review of my application and a prompt response. Additionally, I would appreciate any specific feedback regarding the eligibility criteria for future reference. 

Thank you for your attention to this matter, and I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Complaint Regarding Transunions Unathorized Reporting of Personal Information Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against transunion, a credit reporting agency, for what I believe to be a violation of consumer law as outlined in 16 U.S. Code 1681b ( a ) ( 2 ). I am deeply concerned about the unauthorized reporting of my personal information without my consent, which is a clear breach of my rights as a consumer under the Fair Cresit Reporting Act ( FCRA ) I have never authorized Transunion to collect or report this information. This Unathorized reporting has had a negative effect on my credit profile and financial standing, potentially affecting my ability to secure loans, housing, or employment I have made multiple attempts to contact Transunion to rectify this situation, but I have not received a satisfactory response or resolution from them I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Transunion complied with federal appropriate action to ensure that Transunion complied with federal consumer protection laws. Furthermore, I would appreciate if you could keep me informed about the progress and outcome of your investigation Enclosed with this complaint are copies of relevant documents. I appreciate your prompt attention to this matter and your commitment to uphold consumer rights. 

Thank you for your assistance on this matter Sincerely XXXX XXXX

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a XXXX XXXX XXXX XXXX XXXX XXXX. As a result I am the victim of identity theft. XXXX XXXX XXXX is helping and can not see my personal information. I'm trying to have the proper information added and the false personal information removed.

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 2023-03-24
Company: Bread Financial Holdings, Inc.
State: NJ
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:
I have a XXXX XXXX XXXX card. I make my payments timely every month. This month I sent a payment in the amount of {$10000.00} on XX/XX//23. The payment was due on XX/XX//23. My bank records indicate the payment was received by XXXX XXXX XX/XX/23. They have charged interest and a late fee and advised that I need to file a dispute when I called them. I also sent a proactive payment of {$2500.00} on XXXX/XXXX/23. This amount was not due, but I typically pay off my cards early to avoid interest fees. My bank records indicate that payment was received by XXXXComenity on XXXX/XXXX/23. They have not posted either payment to my account. Every month I have an issue with the timely posting of my payments with this credit card only. I always pay weeks in advance as my credit score will demonstrate, I pay my bills and I pay them timely. It almost feels like there is an unethical practice of holding back payments to assess additional fees ( interest, late payments ) by this company. 

Please assist as {$12000.00} is a large sum of money for me. The service at this credit card company has consistently been appalling. Every month this year, I have had to complain to them. I called in XXXX because I was concerned, they had not posted my payment and my bank indicated it was received by XXXXComenity two weeks prior. They finally posted the payment and did not charge fees. I called in XXXX because it looked like a flight I purchased was double charged to my account-they told me I need to file a dispute. It was clear I would not pay for the same flight twice! Luckily the airline handled it for me. This month, I have this issue. I do plan to close this account once this is resolved. There are too many other credit card companies that offer similar rewards to have to deal with this stress on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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 found several errors on my credit report. There is a chapterXXXX filing that is not mine, unauthorized inquiries a late payment that is wrong a charge off that is not mine a few accounts that do not belong to me. A letter of explanation is enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
False Promises and Incorrect Information.

Transworld Systems Inc. promised they would delete this account from my credit as I paid it, and it is a utility, during Coronavirus. They are still reporting that account. I wrote them a letter asking them to keep their word. That letter was returned to me. They reported the wrong address to XXXX. They have totally misrepresented all facts associated with this account. I DEMAND JUSTICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX of 2023. I noticed a collection from XXXX XXXX XXXX. I have reached out to the credit agencies to dispute this collection to no avail. This is not my debt. I have impeccable payment history and have always been in excellent standings with all of my accounts. This collection has affected my credit report tremendously. I am asking for you all to please look into this account on my behalf. Thank you in advance

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 2023-10-16
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023. I received a collection notification from National Recovery System with an account number XXXX on my XXXX and XXXX Credit report. This medical debt is not mine. I have reached out to all three credit agencies to dispute this collection to no avail. This debt is Not mine. I have impeccable payment history and have never paid a bill late. This has affected my credit score tremendously.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am writing today in regard to my credit report. I have made many contacts with this credit reporting agency over the past few years and have asked them to remove some information that I did not authorize them to place on my credit report. At current, there are inquiries that I did not make and or authorize to be on my credit report and this company refuses to remove them. XXXX bank is inaccurately reporting on my credit report and this company is the only company that refuses to remove them from my report. According to Law 15 U.S.C. 1681-1681x, I have the right to fair disputing, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information and Consumer reporting agencies may not report outdated negative information, and I must give my consent to reporting. As of date, this company has not complied with the laws.

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 2019-05-30
Company: EQUIFAX, INC.
State: ID
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. DPT ED/XXXX XXXX : XXXX XXXX XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation