BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/018 I XXXX XXXX with business name : XXXX XXXX went to SunTrust website XXXX : XXXX   SunTrust advertised to Open Business Checking account and deposit {$1500.00} within the first 30 days of account opening and you would get {$200.00} bonus. 

I click on the advertisement directly on Suntrust.com website ( Learn more ), then clicked on the apply button with the promotion code XXXX. Then I funded my business checking account. In a few days I called to check on my application status and I was told by the SunTrust rep to go to the branch to verify my business address. I went to the branch and my account was fully approved. 

I started to make deposits into my business account and reached the {$1500.00} deposit requirement in less than 30 days. 

I called SunTrust to let them know I had made the qualifying deposits and inquired on when I will get my {$200.00} bonus. 

I was then told that the promotion was not on my business checking account. I asked the rep how could this be the case, this was the promotion you advertised on your website and this what I applied for. I told the rep why would I make deposits of more than {$1500.00} and then call about the promo I applied for, and I told the rep again this is the account your advertising on your website and now youre telling me I dont have the promo. 

I felt like this was a bait and switch tactic for SunTrust to get business to put money in there bank. 

I asked for a Manager and the manager opened a ticket and told me they would get back with me. 

I received a call about a week later and a SunTrust rep told me that I was not getting the promo because even though there offering the promotion they did not see the promo code on my application. 

I then receive another call from a SunTrust Branch rep telling me that the promo code was applied to my account. 

Then I got a 3rd call from the promotions department telling me they did not see the promo on my application. 

After all these calls with different info, I contacted the Branch again and was told I would be contacted again because I filed a complaint. 


I want to sue this company for false advertisement, wasting my time and my money with my business, I want my {$200.00} bonus applied immediatly.

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 2019-01-09
Company: Gatestone & Co. International Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They said someone applies online and it marked inquire. but I never apply those company. I have only one company applied before but other is never apply before. I got identity theft from someone else now please remove this. I'm trying to keep my credit history better. but I find out there is never seen inquire before so I have to dispute today. 
Please Help me to remove my wrong inquire on my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent disputes to company on XX/XX/2020 and still haven't received a response. The information being reported is damaging my credit. I feel like Im being looked over and it is really affecting me. Please intercede to have the incorrect items updated. I don't know if this is a result of me being affected by the XXXX breach but I can't wait until this is over. 
Thank you for your assistance

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 2020-07-01
Company: Experian Information Solutions Inc.
State: SC
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 XXXX, SC XXXX XX/XX/2020 Experian XXXX XXXX  XXXX XXXX, TX XXXX Re : Student Loan No. XXXX, XXXX, XXXX Hello Experian : Oh My XXXX, I received a copy of my report today and it is showing my student loan with several late payments. 
My loan has always been in forbearance and I have not been required to make any payments at all. 
The loan reports OK for several months in a row and then all of a sudden it jumps to 90 Days Late to 120 Days late. 
You can not go from OK straight to 120 Days and then back to OK without any payments having been made. 
Somebodys computer system is messed up. 
Please remove the late payments and send me an updated credit report Thank you for your help. 
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 explanation
Consumer complaint received 2019-01-09
Company: KEYCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Key bank is claiming to have an account in my name owing money, Ive tried to explain this was not my account and gave the the police report number for ID theft and they still reported it to XXXX XXXX XXXX. Now I can not even open an account and this needs fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My employer does not allow personal calls on the 2 main lines in our office. My place of employment is a busy XXXX XXXX XXXX XXXX XXXX XXXX that employs licensed professionals and our patients are always in my office and I am often in meetings and sessions with patients. I received a call from XXXX and the receptionist had to come in a room in front of co workers and tell me I had a call from ( the reps name ) and it was a personal matter. The caller ID identifies the caller as XXXX XXXX. I took the call and had to talk quietly and told the Rep to never call that number again. A different day a week later I was in a group that was about to start and the receptionist again notified me I had a Call that was personal from ( the reps name ) I asked her to tell them I could not take the call. About a week later I received a 3rd call from XXXX and took the call and notified the rep ( XXXX ) I had made it clear I would be written up by my employer if I continue to receive calls from a collection agency and it threatened the dignity of my job for a trashy collection agency to turn aggressive and harass me at my employment. She stated she would take the number out but the first Rep said they would not call my employment again and they did 2 more times. The agency knows what they are doing is illegal but because these debts are about to be removed from my credit report they are doing anything to intimidate me and harass me to get their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX has credit card that is showing open on my records that is reporting Derogatory information of fays late when its been paid & closed. Its was only for {$7000.00} & account is show {$1000.00} over its value. I have disputed it with Bureaus asking them to remove the account because it doesn't have a full account number accessible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: Mountain Run Solutions, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mountain Run Solutions, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Disputed item from XXXX XXXX, last year and was removed from my credit report. The account was not mine. Disputed again, somehow it showed up on my credit report again, also asked for a Method of Verification and was ignored. I have no knowledge of this account. I had no Hospital visits in past years. This is not my account. I have contacted original creditor they can't prove it was my account. This account was disputed last year, and removed from my credit report. Showed up again. Under law the credit bureau is supposed to verify the account before it going 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 2017-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX  or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions 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 was reviewing my credit report and I noticed negatives on my report that shown as reporting old debts as new, update credit paid account not processed. So, I started a dispute online only to get no where with this! I called the dispute department and spoke to XXXX  told him the situation that the creditors are not reporting accurate information and not update paid account. In front of me I was logged on to Experian viewing what they had place on my report. After talking he said he could not help me this was a membership dispute! I told him this is not correct to speak to membership on dispute when I had followed the online directions to the dispute department with Experian. I said all right I will speak to them so, I did. In membership I spoke to XXXX and we went over the problem and he said this was a dispute problem not membership. I told him that I did mention this to the dispute department. Then XXXX transferred me to dispute once again. The minute I spoke to XXXX I requested a Supervisor to handle from here on she said maybe I could help you with this! I told here that I was tired of having to be toyed with this that she will be given same result not get anywhere with this. She decided to further the problem by not transferring me to a Supervisor she started to investigate the problem and the result came the same could not help me. Then I was frustrated with them stealing my time and my health in trying to correct a simple corrections that they could resolved over the phone. I was on there website viewing there posted information on the report I did mention to them that how could they not see what Im seeing!

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 2018-02-25
Company: Experian Information Solutions Inc.
State: MD
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 was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2020-08-27
Company: Square Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
About 4 weeks ago I received a Cash App Card in the mail. I assumed it was a scam of some sort as I hadn't heard of the company. The card has my name and address on it. I looked them up to realize they are a legit company. I attempted to contact them but there is no direct contact information on their site or via the app. It showed they are a Square Inc product so I made contact with Square and received no responses or resolution. I downloaded the Cash App to try and sign in using the information I received. The card provides a unique cash tag of $ XXXX and by inputting this to gain access to the account the app responded that in order to receive support, I had to have access to the email address associated with my account XXXX ( it doesn't display the full address ) which I have no knowledge of or access to. 
From their website it shows that my name, address and ss # are required in order to get the card I received in the mail. Clearly a fraudulent account has been opened in my name and they provide no way to get this handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I've previously attempted to settle the matter with this company but they have ignored my requests and are now in dishonor. The Fiduciary Appointment was mailed and received by the company. According to the USPS.com tracking system checked against the registered mail number on the document uploaded, the company received the documents XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been disputing an account with XXXX, XXXX, and Experian asking them to sent me verification and the method investigation they use for a XXXX XXXX account ( XXXX ). I have been sending them letters stating that this account is inaccurate on my report and they should verify it. I also informed XXXX XXXX about them reporting an inaccurate account and sent them a validation letter. They sent me a letter asking me for more information because they either can't find me in the system or they are buying more time over the 30 day period.By law, it is the responsibility of the creditor to contact the credit bureaus to investigate and respond to a dispute from a consumer. It is NOT my job to do conduct any form of validation, verification, or any form of investigation process. I have been disputing with the bureaus for over 3 months. XXXX did reinvestigate and verified the account as inaccurate and removed it from my XXXX  credit report XX/XX/XXXX. Experian and XXXX are the two reporting agencies that still have not deleted the account. I have not received any form of verification from either of the two. I have attached supporting copies of dispute letters and return receipts to the bureaus as well as the debt verification letter to XXXX XXXX and their response letter. Again, XXXX and Experian has not verified or explained method of investigation for the account with XXXX XXXX and XXXX XXXX has not responded to my debt validation. According to FCRA 611 ( 15 USC 1681 ), it states that if the " completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' The FCRA also states that upon any company receiving a validation letter, they are to cease from all collection efforts and delete the account from my credit files until they can validate this debt. XXXX, Experian, and XXXX XXXX have failed to prove that I am responsible for this debt. Please help me remove this account from my credit report because they have no proof that I am responsible and have not sent any written documentation of evidence of a contractual agreement, or sent any method of verification.

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 2018-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
( Submission with documentation : ) I am awarded a property through divorce. Wells Fargo has consistently denied my ability to assume a loan associated with the property and be added to the mortgage note in accordance with Garn-St. Germain Depository Institutions Act of 1982. I am also listed as " survivor in interest. '' As a result, I have fallen behind by two months on the note. Wells Fargo is implementing a " due on sale clause '' of which I am exempt by law. This has delayed the process of adding me to the note and has been costly. Wells Fargo has now attempted to offer a loan modification with a simultaneous assumption as a way to assume the property, but Wells Fargo is fully aware that given the nature of the loan being assumed, a loan modification may automatically become denied or unattainable. The loan is a MBS loan ( Mortgage Backed Security ) loan which does not have a permanent  modification option. It is unclear why Wells Fargo continues to operate in manner and continues to impact my ability to be added to the note in accordance with the law and exemptions on divorce transfers of ownership.

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 2018-08-28
Company: Finco Holding Company LLC
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

The Equitable Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXXXXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Lending Club Corp
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was asked if it was me. I then asked them not to call me at work. I asked them to send me mail regarding account and was told they tried mail with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Midwest Recovery Systems
State: NJ
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:
I send a validation of debt on XX/XX/XXXX and Midwest recovery got it on XX/XX/XXXX.they failed to respond to my validation of debt and there was no communication at all from they part, they are violating my rights on reporting accounts thats was not 100 % veritable, because they cant provide me with any documentation of this debt, they need to remove it as soon as possible.

Company response to consumer: Closed with explanation