BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I received a notification that a check had cleared on my account for {$9400.00}. After researching this transaction, it was determined that a check I had written and mailed via the post office for {$79.00}, was washed and re-written for {$9400.00}. 
The individual took the check to another Truist Location, opened up and account and mobile deposited the fraudulent check. I contacted my back immediately, filed a police report and signed the affidavits provided by my the bank. I was was told initially that the bank would apply a provisional credit on my account within 10-14 days. 
I contacted the bank of XXXX and they are now telling me that it would be 90 before the money will be returned to me due to the back log. This is unacceptable. This is an obvious case of fraud, the bank has agreed, and they told me the funds were placed on hold and not given to the customer. If the funds were not dispersed to the fraudster, then why have they not been returned to me. I contacted several other banks today, and they all said best practices is 10-14 days standard on fraud claims. I can not wait 90 for the funds to be returned, I have bills to pay. I have been a BBT/Truist customer for years. I have multiple business loans and accounts with your bank. Please assist me in getting this situation resolved. 
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 2017-09-29
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have a JcPenney credit card issued by XXXX XXXX. I made my first purchase with them on Saturday XXXX/XXXX. I have a {$100.00} credit limit and spent {$60.00}. I go to pay if it off yesterday XXXX/XXXX, and there is {$0.00} available balance.
There is a posted transaction for {$60.00} and then a pending charge for {$60.00} ( it put me in the negative by {$20.00} ). It stated online all pending transactions will post in 48 hours.
I contacted them yesterday XXXX/XXXX and they told me I would n't be charge and the pending amount should fall off soon.
Today, XXXX/XXXX, I checked again and it 's still pending. Contacted them again and the girl was very rude and said I had to wait till Monday to see if it " falls off ''.
This is absurd. I have other Synchrony cards- and none of those, do this. Why is this allowed? This is not right! I have both reference numbers if you need those.

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 2017-09-29
Company: American Credit Acceptance, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear AMERICAN CREDIT ACCEPTANCE, This is my final attempt to try to remedy this incorrect reporting and your company has failed to respond to my letter dated on XX/XX/XXXX in a timely manner. This is to confirm our conversation on XX/XX/XXXX as to the offer of the above-stated account. As discussed, I will pay your company the amount of {$500.00} as payment in full for the final satisfaction of this account. 

once again, I am writing to you in the hope that we may put this matter behind us and settle out the charge off for good, under a few conditions. This will save you both time and money trying to collect the judgment and will help me to recover from your negative entry in my credit history reports. 

I have been offered a loan from a close family member to pay you {$500.00} to settle the debt in-full and have the CHARGE OFF DELETED. 

Upon receipt of the above payment, your company has agreed to change the entry on my credit reports from CHARGE-OFF to DELETED. P.S : based on your decision I WILL GO ON XXXX  AND XXXX TO MAKE LIVE STATEMENT IN REGARDS ON HOW YOUR COMPANY TREATS ITS CUSTOMERS. 

If you agree with these terms, please acknowledge with your signature and return it to me. IF You agree on the terms herein are confidential and you have the authority to make such decisions. No payment will be made without written confirmation. 

Upon receipt of this signed acknowledgment, I will immediately mail you the funds via priority mail. This is not a renewed promise to pay but rather a restricted offer only. If no terms can be met, no new arrangements will be made and the offer will be void. This is my last attempt to try to remedy the incorrect reporting. if I do not hear from you I will be pursuing litigation in my local county clerk of courts. 

cc : Attorney General cc : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My daughter has a student loan through XXXX XXXX for two years now and XX/XX/22 is the third time the borrower has been late in making payments that are due on the XXXX of every month. This is also the third time that they called the co-signer at work in regard to the late payment without making a single call to the borrower first. 

Each time they have called me multiple times claiming " there is a problem with my account '' in which I am the co-signer, not the borrower. On XX/XX/22 XXXX ( representative number XXXX ) stated that the account is now delinquent and that's why the calls are being made. When I asked how late the payment was she said " one day '' which isn't delinquent, it's late. 

These are obviously harassment tactics used to embarrass the borrower into making their payments on time as they haven't called the borrower once, but on three separate occasions called the co-signer multiple times at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Upon being denied from a lender for too many inquires on my Equifax report, I decided to check my reports from all three credit bureaus for accuracy. I have noticed there are inquired from XXXX, Equifax, and XXXX credit report that I DID NOT authorize and I had no knowledge of. I contacted all three credit bureaus immediately by phone and two letters and was give no relief. I also have a fraud alert already in place to avoid any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME TO PULL my credit for any reason:XXXX: 1. XXXX XXXX XXXX XXXX Date: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX
Equifax: 1. XXXX XXXX XXXX  XX/XX/XXXX
2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
4. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX
8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX  XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX/
XXXX XXXX XXXX
: 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One posted defamatory and incorrect information on my credit profile. I contacted Capital One requesting validation that I ever had a credit card account, statements, and proof that the account was paid late. When I contacted them and provided my social security number they said that there were no records of any account. 

Capital One ignored all my requests to remove the negative remarks from my credit profile. I was victmin of a fraud and never had a capital one credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Aargon Agency, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2018 I moved into a house with roommates and an account was opened with the water company in my roommates name. Neither my roommate nor myself could get to the water company to pay the water bill because neither of us had transportation. I elected to pay the water bill electronically via the water companies official website using one of my bank cards. I am not the account holder, I was an authorized user on the account. I no longer live at the address in which the account was opened. A collection agency attempted to collect on this debt and I explained that the account was not in my name. The collection agency reported the debt to a credit reporting agency reporting that I owe approximately {$1000.00} which, in turn has negatively affected my credit score, which I have worked diligently to improve over the past year or so. I contacted the water company and explained that the account was not in my name but was unable to reach a resolution. I have recently contacted the collection agency via email with the explanation as to why I don't think the debt is mine considering the account was opened in someone else 's name however I have yet to receive a response from the collection agency. At the time that the debt was ongoing was right in the midst of the COVID crises and at a time when myself, my children along with my roommate had contracted COVID, I don't know if this information is helpful but I'm including it anyway. Please contact me with any further questions about this complaint. Thank you kindly for your help with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: IL
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:
I am, XXXX XXXX submitting this complaint against Experian XXXX XXXX XXXX and there is no third party involved. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Experian XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instructions. 

WHICH I GAVE EXPERIAN NOT WRITTEN CONSENT!!!!!!!!!

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 2020-02-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/2019 Offer ( SEE ATTACHED ) : EARN A {$20.00} STATEMENT CREDIT AFTER YOU SPEND AT LEAST {$120.00} IN ELIGIBLE XXXX PURCHASES WITH YOUR CITI CARD. 

I completed this offer successfully, and Citibank CONFIRMED IT ( SEE ATTACHED ). Months later, I continued to ask customer support via chat when I will receive it, and they stated I WILL RECEIVE AN ADDITIONAL {$10.00} FOR THEIR REPEATED FAILURE TO PROVIDE ME THE {$20.00} AND THE MANY HOURS I HAVE SPENT ON THIS ISSUE.

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 2020-10-08
Company: Aqua Finance, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
A sales person by the name of XXXX came in to our business to offer us a water filtration system called XXXX. He tested our water and said that it had XXXX causing chemicals and that we were at high risk of getting sick from it. After discussing the product for a while we decided to get it installed. He said that the total was XXXX and that the monthly payment was going to be {$90.00} a month for 6 years. He showed us a peace of paper where I had to provide my social security number to see if we qualified for additional savings. To which he then said we qualified for three free months. What we didnt know is that what he was doing was opening a credit card with Aqua Finance in  the amount of XXXX. We have been paying our $ XXXX monthly bill amount for a little over a year now and just found out that we are actually paying a financing company who charges interest every month for the unpaid monthly balance. Our balance is XXXX as of XXXX which means that in this whole year we have been paying mainly interest and only about {$270.00} has gone towards the water system. The only reason we found out in because my daughter opened a bill from them and reviewed it and let us know about this issue. We were absolutely never advised that a credit card loan would be opened and that there were interest fees on top of the XXXX. My daughter checked their XXXX reviews and XXXX reviews which are filled with people complaining about being scammed by them too. They are a fraud. They lie and take advantage of the XXXX community that doesnt speak much XXXX. I called the company Aqua Finance and they told me to call the sales people at XXXX XXXX. I called XXXX XXXX on XX/XX/2020 and they advised that they cant do anything and to call Aqua Finance again. They just keep sending me back and fourth. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX reports an incorrect debt collection to the Credit Reporting Agencies (CRAs) with an open date ofXX/XX/XXXX. This is an invalid debt collection, and an invalid date, and it needs to be removed from my credit reports immediately.I have tried to resolve this issue with XXXX XXXX multiple times via phone calls (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX), emails (XX/XX/XXXX and XX/XX/XXXX), and written letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX). XXXX XXXX continuing to report this inaccurate debt collection has directly led to me being denied for credit cards (XX/XX/XXXX), auto loans (XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX), and has increased car insurance quotes XX/XX/XXXX).XXXX XXXX claims that I was refunded $XXXX on XX/XX/XXXX and another $XXXX on XX/XX/XXXX. I refuted this claim by sending XXXX XXXX my XXXX and XXXX bank account statements proving that 1) there was a $XXXX  withdraw from XXXX XXXX and 2) I never received the $XXXX in return to my bank account on or around XX/XX/XXXX or XX/XX/XXXX. In addition, XXXX XXXX XXXX claims that I received receipts for two separate $XXXX returns on XX/XX/XXXX. I again supplied XXXX XXXX XXXX with my XXXX bank account statement proving once again that I never received these returns on or aroundXX/XX/XXXX.Lastly, XXXX XXXX XXXX also inaccurately reports the date this inaccurate collection. They claim a date of XX/XX/XXXX. The last instance I was even at XXXX XXXX was XX/XX/XXXX. That is 13 months earlier than the date they are reporting to the CRAs.In addition, I have tried resolving this with XXXX, Experian, and XXXX. I have sent all three CRAs my bank statements clearly proving that this XXXX XXXX debt collection is completely inaccurate and needs to be removed IMMEDIATELY from all of my credit reports.Attached you will find screenshots of my bank statements proving that I absolutely paid the $XXXX and a definitely NEVER received a $XXXX. XXXX XXXX's debt collection needs to be removed from my Credit Reports immediately.

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 2017-09-29
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX reports an incorrect debt collection to the Credit Reporting Agencies (CRAs) with an open date ofXX/XX/XXXX. This is an invalid debt collection, and an invalid date, and it needs to be removed from my credit reports immediately.I have tried to resolve this issue with XXXX XXXX multiple times via phone calls (XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX), emails (XX/XX/XXXX and XX/XX/XXXX), and written letters (XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX). XXXX XXXX continuing to report this inaccurate debt collection has directly led to me being denied for credit cards XX/XX/XXXX), auto loans (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX), and has increased car insurance quotes (XX/XX/XXXX).XXXX XXXX claims that I was refunded $XXXX on XX/XX/XXXX and another $XXXX on XX/XX/XXXX. I refuted this claim by sending XXXX XXXX my XXXX and XXXX bank account statements proving that 1) there was a $XXXX  withdraw from XXXX XXXX and 2) I never received the $XXXX in return to my bank account on or around XX/XX/XXXX orXX/XX/XXXX. In addition, XXXX XXXX XXXX claims that I received receipts for two separate $XXXX returns onXX/XX/XXXX. I again supplied XXXX XXXX XXXX with my XXXX bank account statement proving once again that I never received these returns on or around XX/XX/XXXX.Lastly, XXXX XXXX XXXX also inaccurately reports the date this inaccurate collection. They claim a date ofXX/XX/XXXX. The last instance I was even at XXXX XXXX was XX/XX/XXXX. That is 13 months earlier than the date they are reporting to the CRAs.In addition, I have tried resolving this with Equifax, XXXX, and XXXX. I have sent all three CRAs my bank statements clearly proving that this XXXX XXXX debt collection is completely inaccurate and needs to be removed IMMEDIATELY from all of my credit reports.Attached you will find screenshots of my bank statements proving that I absolutely paid the $XXXX and a definitely NEVER received a $XXXX. XXXX XXXX's debt collection needs to be removed from my Credit Reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im 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 ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 2022-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Since XX/XX/XXXX and XX/XX/XXXX, I have disputes that Bank of America are refusing to to reward me, one for {$380.00}, {$100.00} and {$100.00}. I have given bank of america over 90 days to resolve several claims, a adequate amount of time, yet but thy have yet to resolve them. I spoke with several supervisors informed me on XX/XX/XXXX that customers have a due date to file them but the bank has no date to resolve them, and they just now sending the merchant info 2 weeks ago, and she stated bank of america allows 6 months to resolve these type issue when i asked for documenation if that is the correct process then it needs to be equal to the customers filing date because no date to resolve them is not right for the customer who is waiting on the claim that was filed, with that being said, I was hoping this would get the attention of an agency more experienced in this type situation because If the customer is supposed to receive a check because then that should be issued to me, but the supervisor stated that bank of america allows a 6 month process when disputing a claim... Which is not my policy nor do I think or have seen anything documented that is is their policy

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 2022-04-27
Company: EQUIFAX, INC.
State: GA
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, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation