BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: SUNTRUST BANKS, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I received a letter from SunTrust Bank stating that I needed to provide evidence of flood insurance for my condo. On XX/XX/2019 I uploaded to the SunTrust secure website evidence of flood insurance provided through the XXXX XXXX XXXX XXXX  per the instructions provided in the letter I received. On XX/XX/2019 I received a 2nd letter stating they had not received evidence of flood insurance for the condo and that they were going to force place flood insurance. I called the SunTrust insurance departmeny on XX/XX/2019 and the representative acknowledged they had received the evidence of flood insurance and he was going to escalate the issue. On XX/XX/2019 a {$4900.00} flood insurance policy was forced placed on my condo and my escrow account was charged the premium. On XX/XX/2019 I contacted the Suntrust insurance department and they again acknowledge they had received evidence of flood insurance on my condo and they were escalating the issue and to check back in 3 business days. On XX/XX/XXXX I contacted them again and they said they would contact me back with an update. As of today, XX/XX/XXXX, I have not been contacted and the issue has not been resolved.

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 2023-10-10
Company: RS Clark and Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They continue to state i owe them {$69.00} for a rental agreement that was paid off on XXXX XXXX which i have proof of payment. They will not remove it despite the multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
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:
I am requesting for the assistance for immediate removal of outdated items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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 2022-11-26
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In may I purchased a XXXX XXXX XXXX for XXXX plus XXXX for delivery. Per the sales staff this XXXX would include if I returned the bed. Tax was XXXX. 
I returned the bed for health reasons, I was having an XXXX XXXX to something in the bed. 
At the time of return I was not informed there would be another XXXX charge to pick up the bed. I paid for the delivery fees on the card of XXXX. 
2 months after this Synchrony was still sending me late fee notices. I figured something was wrong and checked my card. XXXX XXXX  only credited me XXXX. I called XXXX XXXX and they said was a XXXX return fee which was in my terms and conditions for the sale of the bed. I did not receive a receipts or any terms and conditions. I called the store, I called XXXX XXXX  and they told me I owed for the deliver fee. I believe it was XXXX still remaining on my card after the credit of XXXX and the XXXX I paid. I was finally emailed a copy of my receipt in XXXX but there was no amount listed for a return. 
I then called synchrony and filed a dispute. I keep getting late notices. When i called last week apparently synchrony closed the dispute because of the first credit of XXXX  ( however the debt collection person said credit on XXXX. ) They wanted to start the disputer process all over as they continue to charge late fees. I didn't think the cs person had the right file but every time I call I am sent to their collection department. I don't believe I owe any more money to XXXX XXXX as not fees were sent to me. I believe Synchrony should have contacted me on the dispute before closing my dispute. I need help getting this issue straightened out.

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 2023-04-14
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 submitted a letter to the 3 Credit Bureaus to update the suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the listed account. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX XXXX ************** Balance : {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Chime Financial Inc
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: Card was charged for something you did not purchase with the card

Complaint:
I bank with chime bank over 5 years now. I noticed last week I had a transaction that I did not do with XXXX when checking my account. I ordered food for my kids that night and went to sleep and woke up noticed last night a XXXX was also ordered and then more transaction that morning trying to go through.Thank goodness I locked my card because I still have my card in my purse. I do a lot of online purchases and save my card to my online accounts. The fraudster also tried to use my card at XXXX, XXXX and XXXX again but luckily I locked my card so they all got declined. I contacted my bank once I seen my card declining purchases. I was making sure my card wasnt being used in my brother XXXX account and mine no purchase was from XXXX on XXXX so I knew my card been comprised probably online. The agent at the bank was questioning me and putting me on hold while I tried to do the dispute and I can tell he thought I was lying. The transaction was only XXXX dollars and thankfully I locked my card in time so those other transactions didnt go through. The bank closed my dispute literally less then 24 hours and said it was not fraud. I am upset I basically lost money from a fraudster and my money in my account so not safe because if someone comprises my information again somehow I will not get the money back.I called this morning to submit a complaint or feedback because my dispute wasnt investigated just closed because I know the agent thought I was lying for XXXX dollars. The agent told me she can only notate my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and if we cant help customers because of policies and procedures we take the customer complaint and feedback at least Chime makes me feel like they are not a real safe bank to use I never had any problems until now with this bank I really loved them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
They call my wife XXXX to 5 times a day and will not stop. 

I did not know it was them calling her. U asked repeatedly last year for WRITTEN bill and explanation of the account, and all they ever said was " pay in full or else '' and " check your email? '' I have Direct Subsidized loans and unsubsidized.they claim they are not subject to the current pause on payments but will not consider letting me restart and just pay monthly. 

I asked again today about the phone calls and a paper bill and they said they will NOT stop calling EVER and the supervisor even said " maybe we should call you more often '' I can't get any explanation as to sh ythey won't forbear or defer up to last month even and let me make payments going forward. 
They are just rude and yell on the phone. When they call they have cursed at us and yelled at us and called names .... no wonder they lost their main contract! 

All I want is to be able to pay say XXXX a month for the rest if this year and have it paid off. 
I sent XXXX today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$0.00}, {$2000.00}, {$1400.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

7. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act 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 has violated my rights. 

I have already disputed these items with the bureaus but they did not remove them, nor prove validation. 

15 U.S.C 1681 section 602 A. States I have the 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 2023-07-22
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was the victim of a scam, and the bank turned down my claim for a refund. I was contacted via email about a job. The interview process and all subsequent communication were done through XXXX XXXX. I never spoke to anyone over the phone or through video chat. I looked up the company I thought I was applying to ( XXXX, a XXXX company in California ) and had the employment contract looked over by two others. It all seemed legitimate. 

After giving the false Accounting department my personal information ( Social, Driver 's ID, Account/Routing # XXXX ), I was emailed a check for {$3500.00}. I then sent this money via XXXX to the " vendors '' that were supposed to supply me with the work equipment for the job. After that, a second check was sent for {$2500.00}. The two together totaled everything I had in my checking account ( this only occurred to me after the fact ). 

The first deposit was made on XX/XX/2023, and the second on XX/XX/XXXX ( morning ). We were short on time ( so the " hiring manager, '' XXXX XXXX, claimed ) as training was to begin on XX/XX/XXXX, and I needed that equipment. No equipment, no job. I sent the money before the check cleared, but my account balanced out on XX/XX/XXXX after depositing the first check. All seemed good. The first check bounced on XX/XX/XXXX ( evening ), and the second 24 hours later. I immediately tried to get ahold of my bank ( on the XXXX ) to freeze the account, but customer service was closed & I couldn't do anything through the app other than schedule a callback time for the following morning ( it was almost XXXX at night ). XX/XX/XXXX, in the morning, I went to the bank, froze the account, filed a claim, and withdrew the money I had left. The teller who took my statement said I was unlikely to get my money back because I " willingly '' gave it over. 

A week later, I got a letter from the bank stating their " research confirmed we applied the transaction as you instructed, therefore, your account will not be refunded. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an advertisement in the mail from Bank of America offering a {$300.00} bonus for opening a new checking account. The offer stated that if more than {$4000.00} in qualifying direct deposits were deposited into the account within 90 days, then Bank of America would deposit the {$300.00} bonus into my account within 60 days. I opened the account on XX/XX/19 and met the terms by XX/XX/19. Thus, on XX/XX/19 I called to check on the offer and I was told that it didn't exist. This was told to me by a BOA customer service rep, XXXX, from XXXX New York. I still have the original promotion that I received in the mail and I read the offer code to XXXX. To make a long story short, I was basically told that the offer does not exist and that there was nothing that could be done for me. The offer code is XXXX. I tried uploading the original document but for some reason the upload portal isn't working.

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 monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my 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 non-monetary relief
Consumer complaint received 2022-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX i was a victim of an accident, where i had to be transported to the hospital in critical condition, after being discharged on XX/XX/XXXX of XXXX i noticed my belongings had been stolen, including but not limited to my purse containing my wallet, my phone, my money. In my wallet i had my identifications and debit, credit cards. 

When i was able to see my bank accounts and credit accounts i noticed the thief used absolutely all my funds from my debit and credit card companies. 

My credit card company has already solved my problem, however CAPITAL ONE refuses to provide my legal right to a proper investigation. 

I have filed a police report with the XXXX police department, i have contacted every single company involved in the claim, all the companies have confirmed this was fraud because my PIN was never used, there is video footage at stores where my card was used and the thief is A XXXX!! i suspect maybe someone close to me stole it however i still dont know. 

i am tired of having to beg for whats right. CAPITAL ONE is acting in an improper way, i need my money back it is all my savings, i can not work any more i will be in XXXX  for the rest of my life THERE IS PROOF I DID NOT AUTHORIZE THESE CHARGES please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was doing a routine check on my credit score and came across credit inquiries that were not made by me.

Company response to consumer: Closed with explanation