BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-20
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing an account on my credit file, with XXXX XXXX for over 2 years and they refuse to prove that it is mine. 
On XX/XX/XXXX I sent a dispute letter to XXXX XXXX regarding an account on my credit report for which they claimed that I owed {$420.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. 

On XX/XX/XXXX I followed up with another dispute letter to XXXX XXXX stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting.

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. 

On XX/XX/XXXX I sent another dispute letter to XXXX XXXX stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX XXXX to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was sold to 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 2019-04-25
Company: ZIONS BANCORPORATION
State: UT
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:
On XX/XX/XXXX I went into the Zions Bank XXXX XXXX XXXX Branch located at XXXX XXXX. There I met with XXXX XXXX ( Branch Manager ) to apply for the Zions Bank Amazing Cash Credit Card. The card promotion was if you spent {$7500.00} in 90 days you would receive a {$1000.00} cash back bonus. 
I checked with MsXXXX XXXX to make sure I was eligible for the promotion before applying and getting approved on that day. She confirmed that I would be eligible for the offer. 

I met the terms and conditions of the promotion, but I did not receive the bonus in my account after several months. I called the Zions Bank Customer Service Department at XXXX and was told I was not eligible for that promotion because I had previously had a similar card. 

I went into the branch to talk with Ms. XXXX who was surprised that I had not received the bonus and was confused why I was being told that I was ineligible. She called the VISA promotion office to confirm that I had met the terms and explained to them that when she had been trained on the specifics of this offer there was no mention of restrictions on not being eligible because of a similar card we had previously. They indicated theyd look further into the issue. 

I followed up a week later and she had received no response concerning a follow-up email she had sent the Visa Card Promotion office. She said she would send another email. I  followed up a week later and she had not received any response yet again. 

I felt like I was getting the run around. At this point I asked for copies of the documents we signed indicating this stipulation or I would have to file a complaint with the CFPB. She said she would call and get in touch with someone at the Visa Promotion Office and get back to me that day. 

When she called back she said I WAS eligible but that Visa had 90 days from the time the promotion ended to pay the bonus and that I should see the money in my account no later than XX/XX/XXXX. 

As of XX/XX/XXXX, the bonus has not posted to my account and after months of calling, going into the branch and waiting I feel like I have done my due diligence in dealing directly with Zions Bank on this matter. In good faith I signed up for this credit card, met the terms and conditions Zions Bank provided me to receive this bonus, and have exhausted other options in resolving 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 monetary relief
Consumer complaint received 2019-08-30
Company: EQUIFAX, INC.
State: MI
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:
Listed below is a loan I didnt apply or agree thats been on my report for 6 years XXXX XXXX XXXX  Last reported XX/XX/XXXX {$9600.00} Reported balance Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FOR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2018-05-04
Company: Mar Joe Enterprises
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I recieved phone call on my work phone XXXX XXXX XXXX from XXXX with vm to contact them. I sent them a cerified letter dated XX/XX/XXXX requesting that they do not call me at work and they recieved XX/XX/XXXX. I have all documents. I called them back at XXXX est XX/XX/XXXX and spoke with XXXX in regards to vm. She was trying to collect money on bill that I have been paying them regulary since XX/XX/XXXX. I asked why she was calling after they had wriiten notice and she stated it wasnt handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credence Resource Management has been calling me a harassing number of times. I have asked them to not call, but I still get 3-5 calls in a day, up to 14 calls once during a 7 day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: The Outsource Group, 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:
Several Accounts opened without my permission XXXX   {$3200.00} XXXX XXXX ( 4 ) Amounts {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX {$330.00} INQUIRIES : XXXX XXXX Credit U Inquiry from XX/XX/XXXX XXXX XXXX Payday Ln Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FRAUDULENT DEBT ADDED TO MY CREDIT REPORT BY " XXXX XXXX '' FOR THE AMOUNT OF {$490.00}. " XXXX XXXX '' HAS NEVER ATTEMPTED TO CONTACT ME BY PHONE, E-MAIL OR MAIL BEFORE. 
NO CONTACT INFO HAS BEEN PROVIDED OR AVAILABLE ONLINE. THE ONLY NUMBER I FOUND THRU SEARCHING IS ( XXXX ) XXXX, RECORDED MESSAGE SAYS NUMBER HAS BEEN DISCONNECTED. 
I HAVE STARTED A DISPUTE WITH XXXX   AND XXXX, WILL BE CONTACTING XXXX SOON. 
THIS FRAUDULENT DEBT COLLECTION IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. I WILL BE OPENING A COMPLAINT AGAINST " XXXX XXXX '' WITH THE STATE ATTORNEY GENERAL OF CALIFORNIA AND COLORADO, WHERE THIS COMPANY SEEMS TO BE BASED OUT OF, AND THE FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Morning, I contacted IQ Data International in XXXX this year in reference to a debt that does not belong to me. I requested debt validation and realized months letters that I never received any information that proved that the debt belongs to me. I have no contract with the company and again request proof of the debt in question in the form of a I sent another letter dated XX/XX/XXXX requesting validation once again. I received a letter from IQ Data stating they do not have to validate the debt and will not send the information requested. The letter was dated XX/XX/XXXX. 

This is not satisfactory as not only do I not the debt but there has no information satisfactorily sent to me proving that the debt is mine. 

I call in to question the validity of the debt considering that IQ Data was part of class action lawsuit for improper collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: CITIBANK, N.A.
State: MD
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:
This Macy 's Account was opened XX/XX/2013 And closed with a balance of {$2100.00} and it is listed as a charged off account on XXXX 
It is a fraudulent 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 2018-03-20
Company: Creditors Bureau Associates
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made an additional CFPB complaint # XXXX on XX/XX/XXXXagainst Creditors Bureau Associates and Creditors Bureau Associates responded to my compliant onXX/XX/XXXX and  here is there response Company 's response Creditors Bureau Associates denies all of the allegations that you've raised in this complaint, however, due to third party disclosure prohibitions from the FDCPA and our obligation as a medical collection agency to follow HIPPA laws, we have decided to close your account and return it to the original creditor. Should you have further questions or concerns, please contact their office directly. 


Creditors Bureau Associate partial responded to my request from my previous CFPB compliant to close the account but did not address my other request to remove and delete the negative information from all three of my credit reports. Creditors Bureau Associates has failed to verify the information I requested and that is a complete violation of the FCRA section 609 and the FDPA. I need Creditors Bureau Associates to remove the negative credit item from all three of my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Synovus Bank
State: IL
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:
My complaint is with XXXX XXXX XXXX XXXX XXXX. I have reached out to them on several occasions including today XX/XX/2019. Previously, I have spoken with the Fraud department and informed them that I am a victim of Identity theft, and the young lady I spoke with provided me with a fax number and at the time I faxed a copy of a police report and I also forwarded that same police report to all of the three major credit bureaus. And on the call with the rep from the fraud department from XXXX XXXX she stated that this was going to be removed from all credit bureaus. Here is it almost 6 months later and this same account is reporting. In fact they changed the status to closed, but its still on my report. On today I called First progress and spoke to a rep in the Fraud Department Named XXXX he would not provide me a agent ID # or a lastname. I then informed him of the situation and he stated that he did see that I called several times and he asked nothing was done on my behalf and I told him no! I told him that I will be emailing the CEO of the Company as I have done all that I can do I have faxed over documents and made several calls. He was able to see all the calls I have made, he took my number and stated someone would call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Inquired about {$300.00} increase and did not receive a response to the request.

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 2018-03-20
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a wage garnishment from Union Bank through a default judgment. There are three issues with this action taken by Union Bank which causes the filing of this complaint ; 1 ) The debt was NOT mine, this can be proven by the fact I was removed from the auto purchase by Union Bank due to my excessive debt at the time and most important this fact is proven in U.S. Bankruptcy Court filings and credit reports before and after the default judgment in 2010. All Union Bank loan statements reflect only my ex-wife 's name. 
2 ) The debt was " charged-off as bad debt, profit and loss write off '' ... this is reflected prior to the default judgment and reflected in credit reports I possess ... and most important THIS IS TAX FRAUD.

3 ) Union Bank knowingly filed documents in Superior Court to obtain the default judgment and directed other entities to garnish my wages.

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 2022-08-11
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received letter from Caliber dated XX/XX/22 stating I had insufficient flood insurance coverage on my mortgage and that I needed to buy additional, or Caliber would buy it and charge me. I called XX/XX/22, spoke to XXXX, explained the situation. She stated she put a note in my file and to disregard the letter. 
Received letter from Caliber dated XX/XX/22 stating second notice same as above. I called XX/XX/22, spoke to XXXX, explained the situation, she agreed with XXXX, said the note must have been in process when the second letter was issued, that the letters should stop and disregard. 
Received letter from Caliber dated XX/XX/22 stating Caliber had purchased {$140000.00} additional flood insurance coverage and would be adding this to my escrow. Called XX/XX/22 spoke to XXXX. She stated additional flood coverage was needed to bring the value up to the same amount as the home owner 's coverage policy. At this point, I realize home owner 's coverage is overstated. Call my insurance agent and ask them to reduce home value on policy. After inaction from insurance agent, report them to Florida Department of XXXX XXXX and finally get results four months later. 
On XX/XX/22, uploaded revised policy to XXXX for Caliber. Caliber reviewed and said no further action necessary. They did not remove the additional coverage. When I try to contact them now it is just an endless loop of automated menu choices, non of which is to speak with a live agent. I then called the main Customer Service number and ask if they can transfer me to a live agent in their insurance department, and every time it goes to the automated loop again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Bank of America has continued to take {$270.00} from my XXXX XXXX XXXX XXXX account for 3 months after closing the account. Every time they assure me it will not happen again. I have talked to several supervisor and personnel over the last 3 months without resolve. The are unable to even see the draft even after providing them with the item number. They have dropped the ball multiple times in the last 3 months and have made no attempt to rectify the issue. Their last attempt was to charge an additional {$270.00} to my credit card on top of the {$270.00} that they had already drafted from 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 non-monetary relief
Consumer complaint received 2021-09-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to bring my account current since my Forebearance Suspension ended on XXXX. I contacted Wells Fargo numerous times to obtain a hardship letter to withdraw funds. I resumed my monthly payments while on Suspension in XX/XX/2020. They told me at one point to go to the branch to get the letter which end up being a wild goose chase. Two weeks ago I got a letter about a COVID Partial Claim. I told them numerous times I do not wish to pursue workout options and wish to pay my balance in full. Today I received a call from a title company scheduling for me to sign this partial claim. I declined yet again. I feel Wells Fargo is attempting to set me up for Foreclosure vs. sending me what I need. Every call disclaimer notes I do not need to pursue workout options if I was in a bankruptcy or recently discharged. I want to pay my balance in full.

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