BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had to file two complaints with the Better Business Bureau against Key Bank. Both complaints were closed with a recording of unresolved and dissatisfied. I clicked on the link that CFPB sent me in an email on XX/XX/XXXX to inform CFPB that this matter still has not been resolved. However, when I logged on to CFPB website to check the status of my complaint, it was listed as closed. Therefore I am submitting a new complaint because this matter has not yet been resolved. Key Bank has not deposited my {$300.00} bonus into my account. I met the requirements to receive the bonus therefore Key Bank needs to deposit the bonus into my account as soon as possible because this problem has been ongoing since XXXX of this year. On page 10 of the 20 page pdf file titled Key Bank complaint, the document states : " Offer Code XXXX has been applied to this account. '' On page 13, the document titled Key Bank Account Details, lists the date of my Opening Deposit as XXXX XXXX. On page 18 is the email that I sent to XXXX XXXX which contained a pdf attachment of my relative 's Key Bank Account Detail which also lists the date of their Opening Deposit as XXXX XXXX and it also shows that they received their bonus and the bonus was listed as " {$300.00} Gift From Key Bank For Recent Offer ''. Therefore, I questioned XXXX XXXX as to when I would receive my bonus. OnXX/XX/XXXX, I visited the branch in person and requested my {$300.00} bonus and for a new debit card to be mailed out and as of this date I have not recieved either. I have attached 3 pdfs for review to proof these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
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:
On XX/XX/XXXX I wrote a letter disputing a PUBLIC RECORD : Bankruptcy that is reporting on my consumer report in error. I want this account verified in my requested, I did not get a response. I wrote a follow up letter XXXX XXXX. I still have not recieved a response or any updates via mail, email or on my credit report. So I am excersing my rights : according 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to inform you about an error I noticed on my credit report. I would like to update my credit profile. I am requesting that you remove all the addresses on my credit report that is not associated with any open accounts as I have updated my home address with all of my creditors. 

My name is : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My Social Security Number is : XXXX My Date of Birth is : XXXX My Phone number is : XXXX My Email is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THE AGENCY HAS ALLOWED THIS TO STAY ON MY CREDIT REPORT.

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: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX Radius Global Solutions, XXXX, reported an unpaid balance to my credit without unexplained amount owed in the amount of {$310.00} back on XX/XX/2020 reported to my credit, I have tried to work with XXXX XXXX XXXX to provide me details of the amount owed, but they refused & keep ending calls & keep forwarding me to " Radius Global Solutions ''. I requested proof of the amount owed they never sent me for almost 2 years until I filed a dispute. no explanation just I own {$310.00} & the service I have was Internet XXXX with a XXXX for a XXXX weeks trial. but no other reason for the balance owed.

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 2020-01-31
Company: EQUIFAX, INC.
State: AR
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 have tried to purchase a vehicle any times. Every single time I get denied and I just don't understand why. This last time I asked the car salesman to show me a copy of my report. I wish I would of took a look at my report months back. There are several collection accounts and a loan on my report that if not mine. Please remove these accounts from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CITIBANK, N.A.
State: FL
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:
We purchased several lights for our house from a furniture company on XX/XX/XXXX totaling to over {$3200.00}. After being promised we would receive merchandise within 10 days of purchase, we never received the merchandise delivery. The furniture company kept saying the merchandise was not shipped yet or stuck at customs. After waiting 1 month since purchase and never receiving merchandise and no new expected delivery date, after numerous follow ups with the vendor, our request for refund was declined by the vender. We were left with no choice but to file a dispute with our credit card company Citi.

Citi bank dragged out the claim for 5 months. We have called and followed up with Citi many many times with no resolution. Since XX/XX/XXXX, Citi has repeatedly promised over the phone that it was resolved permanently and would receive the status via email. But we have received a couple " dispute update '' emails ( the latest on XX/XX/XXXX ) stating a conflicting message. The emails stated that the investigation was still ongoing and there is still no resolution. We have spoken to several supervisors of billing department and dispute department who told us that they have no control over the dispute update which is supposed to be sent by the investigator who can not be reached by either us or Citi 's own supervisors of Billing and Dispute departments.

The bottom line is that the credit should be awarded to us PERMANENTLY ( NOT " CONDITIONAL '' ) after 5 months of back and forth and Citi 's " investigation '', since we have never received merchandise. Unfortunately, Citi has handled this simple dispute extremely unprofessionally!

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 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts are all unauthorized and an result of identity theft inwhich is already documented within your company. This misuse of my credit file has affected me gravely. I'm asking for you to please remove the following unauthorized accounts. 

1. XXXX XXXX XXXX {$1600.00} 2. XXXX XXXX XXXX {$800.00} 3. XXXX XXXX  {$590.00} 4. XXXX XXXX  XXXX  {$810.00} 5. XXXX / XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX {$160.00} 9. XXXX XXXX XXXX {$790.00}

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 2019-08-20
Company: EQUIFAX, INC.
State: NY
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:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: Experian Information Solutions Inc.
State: LA
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 HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THEY HAVE ALLOWED THIS TO STAY ON MY CREDIT REPORT.

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 2017-09-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To Whom It May Concern : I am writing this email to detail my unfortunate incident with your bank. I had an active checking account with your bank for about 3.5 years until XX/XX/XXXX. My account was used to directly deposit my paycheck. I received an email from Wells Fargo on XX/XX/XXXX that stated that my account had been closed due to inactivity. There was never any warning or correspondence with me prior to this happening, so it was a total shock and surprise. To further complicate matters, I was to be paid from my job on XX/XX/XXXX via direct deposit. I did visit the local branch to investigate further and was treated with a great deal of indifference. I was told that the closing of my account was due to inactivity during the month of XXXX and a XXXX cent overdraft. I explained that I am a XXXX XXXX and that there is always very little activity on my account in late XX/XX/XXXX and XX/XX/XXXX because we do not get paid in the summer.
My paycheck is now floating in cyberspace because of your bank 's actions. I am completely dissatisfied with Wells Fargo and will never again do business with you. I was treated in such a disrespectful manner and there seemed to be no recourse for the problem of closing a customer 's account without prior notification. If there is any legal recourse, I will definitely consider using it.

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 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reviewed a copy of my credit report and seen there were some inaccurate and fraudulent accounts that are not mines and will need them to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : CAPITAL ONE # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, CHAPTER XXXX BANKRUPTCY- DISCHARGED REFERENCE # XXXX, CHAPTER XXXX BANKRUPTCY -DISMISSED REFERENCE # XXXX. 
I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX. XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Aspen Properties Group, LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Aspen Properties Group has filed preliminary paperwork to foreclose on my home. Aspen claim they purchased a debt that I had incurred. I have asked them to validate the debt but to no avail. Aspen has gone as far as to do a corporate assignment of mortgage on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 has violated my rights under the FCRA by changing and/or illegally updating the DATE OF STAUS and DATE OF FIRST REPORTED on XXXX XXXX XXXX XXXX  / XXXX account. Also placing an unsolicited freeze on my credit report with this dispute I am attaching My state ID, copy of my social security and a Gas Bill to prove my identity.

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 2019-10-24
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked the XXXX XXXX & XXXX by XXXX, XXXX XXXX XXXX room through Ultimate rewards portal on XXXX XXXX, 2019 ( Itinerary XXXX ). There was no explanation that the hotel was under construction on the Chase website. However, at XXXX there was construction and banging outside the our window. After a long flight the previous night the construction was quite disruptive. After asking for a refund from the front desk they told use that since the room was booked/paid for through XXXX only Chase could refund it. So we left the hotel and called Chase to ask for compensation. The chase rep refused saying that the hotel was the final arbitrator of whether to give the refund and it was the hotel 's fault for not updating their listing through the app. I find this unacceptable. 

Ultimately, Chase falsely advertised the room. They have the power to compensate me accordingly for this bate and switch/horrible experience. I have attached a photo of the view from our room.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: RFNA, LP
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: Account status incorrect

Complaint:
Republic Finance is reporting a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid the debt off. I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I am hoping I can get some help. I am a XXXX XXXX XXXX in the City of XXXX XXXX. I have a XXXX XXXX XXXX and I bank with Wells Fargo. The only 2 individuals who have access to this business account is me and my wife. On XX/XX/XXXX someone hacked my business account and made a debit of {$15000.00} which I had saved to clear XXXX   checks. The very same day ( in a few hours when I was checking my account if the checks cleared I saw the debit transaction and immediately contacted Wells Fargo to stop this transaction ( the transaction was initiated at around XXXX PST ) and we contacted Wells Fargo at around XXXX while we pleaded to stop this transaction it was not. When we contacted Wells Fargo again we were told that there was no claim opened and a complaint was filed with Exective Office. After about 2-3 weeks we are told that the claim has been closed. We have begged and pleaded with Wells Fargo Claims department and Executive Office for more information and have always reached a wall of " it is internal '' when asked more details and information. We are then provided with " Right to documentation package '' and when we have questions on how this Direct Pay was setup we are given the same answer of it is internal, because if it was online then there has to be a record and an IP address associated and if it was done in person then there has to be an approval. 
My wife was at the bank that day making a deposit and she was there only for the deposit and did not setup the Direct Pay. 
Wells Fargo refuses to share information citing it to be " internal '' while expecting us not to question the {$15000.00} and how it left my account. 
Based upon the login information shared by Wells Fargo it clearly shows that we logged in on XX/XX/2020 at XXXX and logged out at XXXX and the next login was on XX/XX/2020. 
All this is so baffling and frustrating but in the end I am short of {$15000.00} and am pleading to your office to intervene and help us get some clarifications and answers. 
I have to pay my lease, utilities, employee and XXXX  and to loose that big of an amount for any small business is a huge blow and especially during these tough times. I will be more than happy to share any information or documentation that I have from Wells Fargo. 

Thank you 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 2021-04-10
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company continues to harass me about an alleged debt they know is not owed by me. I have told them repeatedly to stop contacting me about it and they have now resorted to harassing my family members. This a blatant violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have three Capital One accounts that are reporting six late payments each. I made payments which are reflected in Capital One database. 

I want those late payments removed from my credit files. I have submitted several disputes without results. 

Capital One Platinum XXXX XXXX XXXX XXXX  Capital One Spark XXXX XXXX XXXX XXXX Capital One Platinum XXXX XXXX XXXX XXXX I want the inaccurate late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax failed to adequately protect my personal information, which it had gathered without my consent in the first place, and which is used by financial institutions and lenders to open lines of credit. As such, Equifax has disclosed private information in my credit report to unknown individual ( s ) and put my entire financial life at risk. At a minimum they have cost me {$20.00} at this time to freeze my credit reports at  the other two agencies, and will cost me at least {$30.00} to unfreeze those reports at another time. Furthermore, the time and effort it took to get this freeze instituted should be taken into account. Equifax 's failure cost me time and money and will continue to do so for years, as I will have to temporarily lift this freeze whenever I want to open a new credit account and then reinstate the freeze when done. Their disclosure of my personal information, including SSN, is unacceptable. Their delay in informing the public about this disclosure is further unacceptable. And their use of a flawed tool to suggest that people were not implicated in this data breach, which returned random responses and certainly led me to delay in instituting credit freezes borders on active concealment of the breadth of the breach.

Company response to consumer: Closed with explanation