BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: ZIONS BANCORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello I applied for Amegy bank amazing cash credit card back in XXXX XXXX  2017 by visiting a branch in Texas ( XXXX XXXX, XXXX ). The bank clerk accepted my paper application and took a photocopy of it. 
However, after 3 weeks, nothing happened with my application and no credit inquiry had been made. Therefore, I decided to withdraw my application because all this process was not professional. 
Anyway, that is not the case of complain. When I took my application back, I discovered that bank employee intentionally altered my application. They changed the type of the product I was applying for by using a sticky tape ans a  small piece of paper. I was not notified about this change. 

I contacted Amegy bank inquiring about this change and I was told that they made me aware of this change when I submitted my application which is not true and I have a witness, who was with me when I applied. Also, if it was true, the application would have been altered another way. We would simply cross the wrong choice and and choose another one and I would put my initials.Moreover, I would simply not applied for another product. 

This indicate that they altered my application without letting me know which violates the Uniform Commercial Code ( U.C.C. ) and fair credit act. 

Taking everything into account I would like CFPB to open a case against Amegy bank. 

Best regards 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 2018-04-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several certified letters to XXXX XXXX XXXX about this matter. This debt is not mine. I have never opened an account with XXXX/XXXX XXXX. This debt is reported on my credit report, but is another individual 's with I am assuming the same name as mine. The debt is listed under XXXX XXXX, but I my legal name is XXXX XXXX. I have never used XXXX as a name to open an account as it is not my legal first name. I have tried since XX/XX/2018 to resolve this matter and to this day XXXX XXXX has not provided any signed contract to validate this debt is mine. This is damaging my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Affidavit of Truth was sent out on XX/XX/2021. A response was received that was responded to incorrectly A Notice of Default and opportunity to Cure was sent out on XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've sent numerous letters to this company to have them verify an account that they have placed on my credit report. All they have sent back is a bill which is not enough to verify that it is mine and it also contained a hippa violation with personal information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They did report my debt to credit Bureaus without investigation, It made horrible impact in my credit history and I lost loan that I was working for while! 
They found out amount of debt was not correct!! So they changed bill but they never send me new bill until XX/XX/XXXX and I paid same date

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have called TransUnion and notified then that the following accounts do not belong to me and they are fradugelent. I have sent them a copy of a police report and an identity theft report in the past but they continue to leave these accounts on my report. These accounts do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DeptED/XXXX XXXX, DeptED/XXXX   XXXX, XXXX XXXX XXXX, DepED/XXXX   XXXX. I have provided proof but nothing has been done to stop this information that does not belong to me from being report 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 2019-05-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Chapter XXXX Bankruptcy is not accurate some of the things that are reporting is not correct. This inaccurate reporting is causing issues with my credit. I have been sending them information since last year on this matter. I have documents to support my argument.

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 2017-11-17
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In response to Consumer Bureau : XXXX Doctors Business Bureua To Whom It May Concern : The Affidavit was typed! 
Please be advised that I have received your correspondence dated XX/XX/XXXX. This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with this company ... XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CITIBANK AA Credit Card XXXX 2017 Statement I did a balance transfer approx XXXX XXXX with zero interest early this year. while paying it off monthly with more than minimum payment requirement, I have not made any new purchases. 

When the annual membership fee came in ( {$95.00} ), it was treated as a purchase, and so I was charged interest. 

I called a representative when it first happened and that interest was credited ( XXXX XXXX ) the following month, they charged me again with interest membership fees should not be treated as purchase

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 2019-05-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Comenity Bank reported me 1 time 30 days past due XX/XX/XXXX. My account was not past due. I authorized payments, post dated payments for XX/XX/XXXX and XX/XX/XXXX to an agent that I spoke with on XX/XX/XXXX. I advised the non-english speaking agent that I would like the payments drafted out my account on the dates. All previous payments had been made over the phone and I had never had any issues. XXXX XXXX advised me of the over 30 on my credit. going forward I will initiate my own payments on the portal so that I will not have this issue again. This is a violation of the TCPA, FDCPA, and FCRA. Please remove the negative reporting that was caused by Comentity bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: JPL Recovery Solutions
State: AZ
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:
JPL Recovery Solutions repeatedly calls me even after I have told them to stop. The debt they are trying to collect is not mine and is that of a relative. I have cited the US Code that requires them to stop calling when I asked. They have threatened to continue calling and have told me on the phone that they will dock my relatives pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Filed a dispute for incorrect information showing negative and nothing resolved information is incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On the XXXX of XXXX I was approved for a loan with XXXX. I thought about it for a few days as the interest rate offered was high but proceeded to accept on the XXXX of XXXX I then received an email telling me that the loan was declined as they couldn't verify my personal details. No further explanation, yet I have an offer for a loan. I was simply attempting to accept and electronically sign the documents. I emailed them as I couldn't get through on the phones. After getting no response in two weeks, I finally called. only to be told the same denial reason. I was told by the rep XXXX that he knew nothing more and if I wanted more insight I needed to write a letter. Letter? Who sends paper letters in today 's world? Anyway, nothing could be done. This is pretty lame that I'm offered a loan only to have it withdrawn when I'm ready to electronically sign the documents. Just liars.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Chase closed all my credit cards which have a XXXX balance on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: MS
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
See attached documentation.

Summary :XX/XX/XXXX - Made a {$500.00} purchase online - 6 months / no interest.

XX/XX/XXXX - Received {$20.00} credit ( promotional offer for using card )XX/XX/XXXX - Made a {$2000.00} purchase online - 14.9 % interest until paid off XX/XX/XXXX - 15 minutes later, called Customer Service to see if transaction could be voided as I decided to use a 0 % offer from another card. Confirmed charge voided and I would not be charged anything, and that it would show as a debit and a credit on my statement.

XX/XX/XXXX - {$2000.00} credit for XX/XX/XXXX transaction posted.

XX/XX/XXXX - Automatic Payment of {$80.00} credited to account which was deliberately set so that the {$500.00} from XX/XX/XXXX would be paid in full within 6 months.

XX/XX/XXXX - {$2.00} interest charged in errorXX/XX/XXXX - Contacted Customer Service via online messaging portal to advise of error.

XX/XX/XXXX - Received response from Customer Service that did not address issue at all. Was not notified via email of the response, so did not see until XX/XX/XXXX.

XX/XX/XXXX - Automatic Payment of {$97.00} credited to account instead of the authorized {$80.00}, in accordance with terms that adjust payment to the minimum due if it is less than the automatic payment amount. This was done in error.XX/XX/XXXX - Replied to Customer Service.

XX/XX/XXXX - Sent additional message to Customer Service after I realized that the mistake made was that the {$2000.00} credit was credited in error to the open transaction from XX/XX/XXXX instead of the {$2000.00} transaction from XX/XX/XXXX. This was likely due to how the automated settings are handled when applying payments. At this point it was obvious that a human being needed to manually make the adjustment. The process is simple for anyone with proper training.

XX/XX/XXXX - {$4.00} interest charged in error XX/XX/XXXX - Received response from Customer Service stating that the matter had to be escalated to the Corporate Offices.

XX/XX/XXXX - Filed CFPB complaint as no action has been taken by creditor.

XX/XX/XXXX - Confirmed account online states : Your next Auto-pay Amount of {$80.00} will be processed on XX/XX/XXXX. However, based on XX/XX/XXXX error, will be automatically changed to {$97.00} without notice or authorization from me. This will be an error.

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 2018-03-16
Company: EQUIFAX, INC.
State: FL
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:
I went into XXXX XXXX XXXX XXXX ( actual location listed below ) on XX/XX/XXXXto purchase a vehicle. At the time of negotiations, the dealership was informed I already had my credit ran by my bank XXXX on XX/XX/XXXX and had pre-approval for the amount I was looking to finance so there was no need to run my credit again. During the negotiations, the dealership advised they had a partnership with my bank and asked for permission to confirm credit approval with bank which I allowed but advised they did NOT have permission to shop my credit around to seek a better deal. All parties agreed and we completed the deal. Later I started getting letters from multiple banks/finance companies advising they checked my credit for this deal and I see on my credit report multiple credit inquiries have been added. This is definitely not what we agreed on during the deal and I'm disputing these inquiries. I went back up to the dealership which advised me that all I would need to do is dispute these inquiries with the credit agencies and they would not fight that complaint.

My original approval was given by XXXX on XX/XX/XXXX but the dealership was only allowed to partner with XXXX  since I already had pre-approval with XXXX  as of XX/XX/XXXXand they were informed.

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX ( akaXXXX ) is misrepresenting a situation.

I got a call today XX/XX/2019 from a lady wanting to serve me papers at my residence. I told her come on i was home. She insisted on giving me XXXX XXXX phone nimber XXXX and a claim number XXXX. Within 5 minutes both my sister and ex-husband called saying she had called them also telling them i was being served for not paying a debt and to call mr. XXXX. Lady never came. I callef mr XXXX and he wanted to talk about an old moneykey payday loan from years earlier where i had already filed a cease n desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Receivables Performance Management, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled my XXXX account in the summer of XXXX. After closing my account, I was told that I owe {$310.00}. After multiple phone calls with customer service and eventually having to go to the XXXX store twice, I was assured on the phone that the account was XXXX out and I did not owe any money. There should be recordings of these phone calls. 

In XX/XX/XXXX, I was sent the attached letter saying that XXXX owed me {$310.00}. Not one to turn down free money, I returned the letter to XXXX. I never received a check or credit, instead, I started receiving bills. I attempted to call XXXX regarding these bills but they were unable to talk to me because I could not remember my account passcode and required that I go to the store. Due to the COVID pandemic and the fact that this issue had been fixed, I was unwilling to go to the store. 

In XX/XX/XXXX, when applying for a very important loan, I learned that I had been sent to collections from XXXX for the amount of {$310.00}. In my haste to attempt to fix my credit score so I could qualify for the important loan, and because I was told I could request a refund from the collections agency within 30 days, I paid the debt. On 4 occasions, I attempted to cancel the paid debt with collections and request a refund so that I could have this removed from my credit score permanently, however, the collections agency refused to refund my money. They told me to file a dispute with my credit card company, which I have done. 

I also sent the attached email to both XXXX and the collections agency on XX/XX/XXXX, and I have never received a reply from either company. 

I honestly don't even care about the money at this point, which is why I paid the collections agency, not realizing that it stays on my credit report for 7 years, anyway. I am just very, very disappointed and upset that I can not qualify for my loan and this has had such a hue negative impact on my life. I am at such a loss and feel so powerless. I did not ask for any of this and have tried so hard to fix this without anyone being willing or able to help me. My credit score has been ruined and I would like this incorrect debt to be cleared from my 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 2019-05-25
Company: Loantopia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an installment load from Loantopia. I am having trouble with paying it back. XXXX the collector from Loantopia has been call my phone from different phone numbers and will not stop. I am receiving 2 call 5 hours out of the day M-F. XXXX has also called my office and spoke with a colleague regarding this debt that I owe which is a violation of my privacy. I tried to settle with XXXX but she would not compromise. After the last call with XXXX before hanging up I heard XXXX have a conversation with someone in her office stating " There's no way I'm going to let her settle for that much. I need my commission, girl '' This is starting to have a negative impact for me at work and I can't leave my phone on because she is calling from different numbers. What if I have any emergency and someone is trying to reach me because of my daughter? It's too much and it's causing me anxiety. Please help.

Company response to consumer: Closed with monetary relief