BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Complaint pertains to Capital One treat me unfairly and behaving in a deceptive manner to their advantage. 

I have been a Capital One Savings account holder since they were ING Direct. 

I have 4 accounts : 360 Savings and XXXX XXXXXXXX XXXX with significant balances ( XXXX figure average balance ). The interest rate is held at 0.3 % and 0.8 % respectively. 

Sometime in XXXX, Capital One got rid of these 2 banking products and replaced them with " XXXX XXXX XXXX '' which current has a yield of 2.2 %. I noticed on XX/XX/XXXX that the yields on my accounts were under-performing and then with some research not in line with advertised rates. I called the client desk on XXXX and got a gentlemen who told me " it was no problem i can just open a new account and move the money over ''. 

These old products remained at the old rates and were not updated to reflect the newer rates available. The old products were left in place for existing customers and not moved across. Meanwhile Capital One had been marketing for new money ( new clients ) without marketing to old clients that their products were defunct and the rates would remain low. I did further research and took some screenshots to evidence this. 

I spoke to Customer Service on XX/XX/XXXX and discussed in detail the concept of treating clients unfairly. Of primary concern : neither of the 2 people i spoke with were aware of Reg DD, TISA ( Truth in Savings Act ) or UDAAP. After a 10 minute hold, i was informed that my account had a marketing exclusion so there fore i was not to be told that my product was going away and that my money would be left sitting in account that would not be updated to reflect market rates or offerings. Additionally, old accounts were not to be moved across they were to be left in place until the client actioned a request to open a new account. In the attachment provided, i have moved most of my balances out of Capital One this week and will move the rest tomorrow A couple of concerns here : - Marketing exclusions relate to new products/offering, but surely the bank still has a responsibility to inform clients of changes to their product such as it being made defunct? 
- how many Capital One customers currently are making below average returns on their savings because Capital One has left them in an old savings product that isn't yielding properly and the bank hasnt told them? 
- How much money has Capital One made in the difference between its investment of this money and the poor interest rate paid to these clients?. 
- Is it fair to market to new clients/new money an enhanced rate and quietly leave your old clients in under-performing products?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Ditech Financial LLC
State: VA
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:
This company has reported to IRS and credit bureau that they lost {$4900.00} in the short sale and this is not true. I paid Greentree in the short sale and nothing was suppose to be reported as this was due to my spouse XXXX overseas and we had to sale the house. We were paying them as agreed. They also reported to IRS XXXX as debt lost and earn income of {$4900.00} which is not true. Greentree got the bulk of their money so no XXXX should have been reported to IRS. We went under the SCRA, relief act for XXXX XXXX military. We provided Greentree with XXXX to overseas. They went back on their word. Now this new company that has merge with Greentree has report incorrect information that is affecting my credit and my taxes for 2015. 

XXXX XXXX XXXX from Ditech responded to first compliant but did nothing to address the miss information that was reported. Please have her call or email me so I can get correct. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019, Comenity Bank Representative, XXXX was in violation of the Fair Debt Collection Practices Act Section 805 ( b ) by contacting an unauthorized third party regarding this business matter. According to law, the fine for such negligence is {$1000.00}. For your information, XXXX left the following contact information on a former relative and otherwise unauthorized persons voicemail : XXXX ext. XXXX. 

I sent a letter to Comenity Bank on XX/XX/XXXX regarding their negligence and requesting to resolve this violation and business matter, by paying the fine in the amount of {$1000.00} by applying it to both accounts affiliated with Comenity Bank ( XXXX XXXX  XXXX XXXX and XXXX ). The Recovery Team of Comenity Bank for XXXX sent a response on XX/XX/2019 acknowledging receipt of my letter to cease and desist communication to third parties and offered a settlement for me to pay however this is not what I stated within the letter. Amount owed to XXXX {$760.00}, settlement offered {$380.00}. 

I stated in closing : " You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau and the Indiana Attorney Generals office. Civil and criminal claims will be pursued. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Since XX/XX/XXXX I have requested to opt out of reporting per 15 USC 6802 which was sent to XXXX, XXXX and Transunion. I sent these documents registered, Certified and express mail. Second notices were sent in XXXX then contract Demand letter sent on XX/XX/XXXX. All credit bureaus are in violation of 15 USC 6802, The privacy act of 1974, 5 USC 522A, 34 cfr 99, 20 USC 1232 G ( per previous student loans that were paid in full reporting ), 15 USC 1681 etc. All credit bureaus have no respect for the law or my rights and has been in violation for many months. The have failed to validate all debt report. provide contracts or documentation requested, respond and pay for reporting per my demand notice, Purge all accounts from my report Except for XXXX  account. There is proof that my letters, Request and demands have been received and the credit reporting agencies are ignoring my demands and rights as a consumer.

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 2023-01-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I'm submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
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 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 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 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 2021-05-06
Company: Atlanticus Services Corporation
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX opened an account with Fortiva on XX/XX/2020 in my name and I have never signed up for security service. When I spoke with the company about the account I did not open, they did not care and wanted a payment anyway. Now the account is delinquent and it is destroying my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I set up autopay and bank did not withdraw funds while my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Truist is at fault. Bank ERROR! They will not fix or remove incorrect information from my credit file. 

Truist is not well run. The bank merger is well known to be problem. All you have to do is search and hundreds and hundreds of other people report the same problem with the bank. Even during the latest bank investor conference the CEO admitted their bank technology needs to be updated. TRUIST has a problem and won't admit the autopay did not function as it was supposed to. 

I am very upset. 

I have tried to speak with Truist. I have complained on here repeatedly. 

TRUIST not only did not withdraw payments for the mortgage they also have reported different information to different bureaus and incorrect in part. Trying to bank with Truist is a nightmare. Truist DOES NOT CARE! How can Truist run ads and say what they say to shareholders? 

I have screen grabbed info from the shareholder meeting. I also grabbed other peoples complaints online for the bank not processing payments and employees complaining about the bank technology not working. TRUIST did not process while my family was going through a horrible death in the family. AND now I am having to write complaints about the problem TRUIST created.

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have an incorrect late payment in this account and I dont know why if I paid in full XXXX XXXX Account Number : XXXX There is a late payment reported by mistake in XX/XX/2018, I was never late with my payments, please delete that inaccurate remark as soon as possible

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 2018-04-27
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I believe Navient has been incorrectly applying student loan payments on my account for years. I did catch on instance which I had them correct. I also complained to them that it is very shady that I can no longer see my history of paid off loans. Their website also doesn't show the details of how the payments were applied and it also isn't easy to navigate making principal only payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX my pc received a virus that caused me to take it to get repaired over a period of 6 days. During that period i was receiving numerous of fraud charges on all of credit cards that were saved on my computer. The banks that were affected were XXXX, XXXX XXXXXXXX XXXX XXXX and American Express. Every bank has resolved and refunded this incident except American Express, and there were 2 cards that had fraud charges ( delta platinum & delta gold ), a total amount of XXXX was charged on my platinum card and XXXX on my gold card all from the same merchant. American Express credited and refunded the XXXX on my delta platinum but did not credit the charges on the delta gold. All these charges took place back at the end of XX/XX/XXXX and it is now about to be XX/XX/XXXX. Every week they tell me they are still investigating the case and it seems they let these fraud charges post to my credit report affecting it very negatively. They never seem to provide me any information on the case and i need help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-18
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company has increased my monthly payment from {$800.00} to {$960.00}, with out notice. Claiming this is due to a shortfall in our escrow, and an increase in our insurance premium. There has never been a shortfall in our escrow, and our insurance premium has not changed since before Nationstar acquired our mortgage. I have confirmed this with my insurance company. Also Nationstar overpaid our insurance premium, and will not acknowledge that the insurance is anything other than what they have stated, which is increased by 15 %. When contacted about the issue, I have received several answers to the reasons behind the increase, 1 ) our taxes were reassessed, and the tax rate has been increased, 2 ) there was a shortfall in our escrow account, 3 ) our insurance premium has increased. 1 ) My Tax rate has not gone up since the house was built, 2 ) there was never a shortfall in the escrow account before Nationstar became our mortgage servicer, 3 ) our insurance premium has not increased since we bought the house, it has decreased. I also never received anything from Nationstar letting me know that they had purchased my mortgage, I had to contact my previous provider to find out how to pay my mortgage.

Company response to consumer: Closed
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX  XXXX XXXX  Equifax All 3 Credit Reporting agencies refuse to release any & full credit reports to XXXX XXXX XXXX in her requests by her name, DOB, SSN.

All 3 Credit Reporting agencies will only provide to XXXX XXXX XXXX ; by her current address ; nothing else ; a strictly limited information.

Infact all 3 credit reporting agencies ; contrary to federal laws ; inform Ms. XXXX they only do data release related of Ms. XXXX 's current and given address ; not by her name, DOB, SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, 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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX  XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I initiated a consumer credit transaction with capital one on XX/XX/XXXX.I disputed the validity of the debt in the amount of {$XXXX} on XX/XX/2021 and they still have not provided me with the proper validation. Despite my request for validation, XXXX, XXXX, and XXXX have furnished negative reports on my consumer credit report. Capital One is sharing my information without my consent. no consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me repeatedly today, with 3 of the 4 times being hang up phone calls. I answer, they hang up. After I just made a payment on Wednesday of last week. They have threatened multiple times to end my membership which would also cancel my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-09-14
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX 's XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX I am natural person, I am a living human being, I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed be be remove because According to 15 USC 1681. I have the right to privacy and i did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, Discharged XXXX : Bankruptcy Reference Number 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