BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last winter I started receiving cryptic phone calls from someone who would not identify themselves or the company they worked for. They wanted to talk to me about my XXXX XXXX credit card. I was afraid the phone calls were fraud, so I ignored them. I then received a phone call from the same person at my office, so I called the phone number on one of my credit card statements to find out what was happening. When I did so I was told they had sold my account to this other person. When I asked 'why ' they told me I needed to talk to this other person, they were no longer doing business with me. 

I then called the number on my caller ID and this person told me they were debt collectors and had purchased my account, that I owed them almost {$10000.00}. I told that it must be a mistake. I last used that card XX/XX/XXXX and paid the bill in full XX/XX/XXXX. The debt collector at XXXX XXXX XXXX started talking about charges made at stores inXX/XX/XXXX I have never been to, and said the bank had sent me letters regarding these charges that I had ignored. I told him my last communication from the bank regarding this charge card was the XXXX XXXX statement, and nothing had been sent to me since then. The debt collector started reading a letter I was unfamiliar with, then said it had been sent to my address XXXX, XX/XX/XXXX 

I live in XXXX,XX/XX/XXXX at the same address since XXXX. I have also lived in the XX/XX/XXXX XXXX, XX/XX/XXXX area since XXXX. I do not own a house in XXXX, XX/XX/XXXX, nor did I ever change the billing address on my account. Someone not only was using my charge card without my permission, they first changed the billing address on that account so I would not receive any statements. 

While I haven't heard anything from the debt collection company for almost a year, they are now sending me statements asking me how I plan to pay this debt. 

The bank that oversaw my XXXX XXXX credit card is Comenity Bank, XXXX. XXXX XXXX, XXXX,XX/XX/XXXXXXXX. The debt collectors are XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX,XX/XX/XXXX XXXX. 

The bank never attempted to contact me at my billing address. Nor did they attempt to contact my credit union. I use my credit unions electronic bill paying service to pay my bills for over 11-years. Why Comenity never contacted my credit union to see why the payments had stopped coming is unknown. Nor do I know why they never attempted to contact me at my previous billing address. I never gave anyone permission to change my billing address. Why Comenity would not look into why this all started after someone changed my billing address and never think of contacting me at my old billing address is unkown. The fact Comenity does not want to discuss my account with me makes me suspicious of their change of address process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: JPMORGAN CHASE & CO.
State: AL
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:
On XX/XX/2021 I called Chase Credit card for Southwest Rapid Rewards to complain about how southwest airlines has devalued their points to purchase tickets. I spoke with XXXX. I asked for my {$99.00} fee to be returned and close the account. She said that they could not do that after 90 days. She then offered to give me a pro-rated amount back of the annual fee. She could not tell me exactly how much it would be. I said OK. They did not give me a pro-rated amount of the annual fee of {$99.00}. I have since spoke with two different supervisors and they were not sorry and restated their policy that after 90 days there is on refund of the fee. I spoke with XXXX XXXX and XXXX. I asked XXXX if their company had integrity and she said they did, but refused to reopen my account or refund and portion of the fee. They refused to let me talk to a supervisor. If the first rep had not offered to pro-rate my refund then I would not have closed the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a check for {$7500.00} that I deposited to my checking account on XXXX ; the check cleared the payor 's bank on XXXX. However, Wells Fargo is saying they are holding my funds until XX/XX/XXXX due to prior overdrafts on my account. It appears that I am being penalized for my prior history -- which has been exacerbated by Covid -- and that my funds are being withheld which has triggered a {$35.00} overdraft fee. On XX/XX/XXXX, I talked to multiple staff at Wells Fargo beginning with XXXX, then to her supervisor XXXX, then to XXXX who is a WF consumer advocate ( although there was no advocacy on her part. All she did was reiterate what the prior staff had said and provide a case number ). 
XXXX provided me with a case number XXXX. I stated that I felt their funds holding policy is exploitative, illegal and unfair -- especially during Covid -- and that holding my funds is creating a financial hardship. XXXX said that WF policy is to delay release of funds when there is a history of overdrafts.

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 2020-12-18
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOUTHWEST CREDIT SYSTEMS/Good Evening / and Happy Holidays! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was a credit account opened in my name without my permission or consent. It appears this is the second time this has happened. I live in XXXX XXXX and someone at my previous address has my information and is using it to open credit accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15
Company: EQUIFAX, INC.
State: PA
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:
On both credit reports Equifax and XXXX  they show that I have accounts with XXXX XXXX XXXX and XXXX XXXX. I do not have accounts with them. I called XXXX  XXXX XXXX and XXXX XXXX they both said that they do not have any accounts with my Social Security Number. The partial account number listed on XXXX XXXX XXXX is # XXXX on both Equifax and XXXX. Partial account number listed on XXXX XXXX is # XXXX. 
This number is on both Equifax and XXXX. I have filled out the papers that both XXXX  and Equifax provide if you have issues with the reports. Told both Equifax and XXXX that these account are not my. To remove them immediately. I contacted the fraud departments of the bureaus. I have also informed the Federal Trade Commission and they said to contact you. Also filed a police report with XXXX, PA police department. Report number with them is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus is reporting inaccurate information on PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: SinglePoint GI
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX and XXXX Credit Bureau is reporting inaccurate information on GENERAL REV ( Original Creditor : XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Experian Information Solutions Inc.
State: TN
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:
It has been over 60 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for Experian to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681.

This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. XXXXx is required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for Experian to remove the still remaining fraudulent accounts that are on my report. They have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified.

Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' Experian has had over 60 days to complete these actions.

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 2020-09-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
put fraud alert on Experian 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 2021-09-21
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Attached please find a detailed description of the problem with emails between Citibank ourselves. The problem that we have had for the 2nd year in a row is that when the bank does their routine account profile updates they do not let us know what information they require in advance of their internally imposed deadlines for account reviews and block our account. 

Last year they blocked the account and then requested copies of identity documents. The account was un-blocked a few days later. This year no request for information was sent and when we inquired we were asked for copies of drivers licenses which were immediately provided and yet after 18 days the account is still unblocked due to a backlog of work in the unit that processes these requests, according to our relationship officer. Requests for escalation have been ignored ( see attached ). 

The purpose of this complaint is both to get our account unblocked and to call attention to a systemic failure in this institutions process for updating files without causing financial harm to their customers.

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 2018-08-24
Company: AUDIT SYSTEMS,INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Audit System Incorporated ( address : XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, # XXXX, NC Insurance Permit ID # XXXX ) has contacted me via phone and now via mail in an attempt to collect upon a debt for the company XXXX XXXX XXXX. I was originally paying XXXX XXXX for taxes owned for the XXXX XXXX XXXX. I paid off my debt with XXXX XXXX and called on XX/XX/2018 to confirm this ( I spoke with a person named XXXX on a recorded line and I recorded the phone call ). He in fact stated that my bill was paid in full and he then stated that XXXX XXXX would never sell debts to another company to collect since they themselves are a collection company. Audit Systems Incorporated has been harassing me for the past month via phone and now via mail stating that I still owe money to XXXX XXXX. 
On the bill I was sent, they even list a different client named " XXXX '' with a client # XXXX but state that XXXX XXXX XXXX is the original creditor of the debt. In the bill it states that if I don't pay them, my credit will be negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerihome serviced my mortgage but we refinanced with a new company. Our mortgage with Amerihome was paid in full and closed on XX/XX/2021. They claim, with no documentation, that they mailed our escrow refund on XX/XX/XXXX. We have yet to receive it some almost three weeks later. I called to ask that the check be stopped and reissued and mailed via fed ex. Was told by two different agents that they had to wait 14 business days before they can stop. 14 business days from the XXXX  would be this Thursday the XXXX due to XXXX XXXX holiday. I called today to request the check be XXXX and was told it is now 30 business days from the XXXX before they can stop, reissue and mail. They also will not use XXXX XXXX or wire the money but will use Usps, the alleged organization they used to send the first one. So now it won't be until. XX/XX/XXXX until they address this issue. This is not acceptable. Their agents are rude, give different answers to the same question and are holding my money hostage. There are multiple XXXX  complaints with the same issue. If I was ever late making my mortgage payment to them ( I never was ) rest assured they would have hit me with late fees like crazy. Yet when it's my money they are allowed to hold it and make interest from it. I want my money now!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Zenith Financial Network 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:
XX/XX/XXXX, I contacted XXXX XXXX XXXX initially to discuss the amount owed and payment options and they advised they couldn't assist me because it had been turned over to collections. On today, XX/XX/XXXX, my husband received a phone call from Zenith Financial Network. He was not listed on my loan application nor was he authorized to speak on my behalf. They notified him that I owe on a payday loan, they gave the exact date from XX/XX/XXXX, how delinquent it is and the amount owed of {$1600.00}. They also tried to obtain payment from my husband during their call and attempted to initiate a settlement with him. The name of the collections company is Zenith Financial Network and their contact number is XXXX. It is my understanding that this is in violated of section 804 of the Fair Debt Collections Practice Act. It is my understanding that they are allowed to call and provide a 3rd party with their contact number or ask  how to reach me, but not to provide personal information in regards to my collections account. 

I also called Zenith Financial Network and advised my husband should have never been contacted. They replied, 'When he answered, he was able to identify your identity '. This is unacceptable practices, no one is authorized to speak on my behalf or to discuss the details of my account other than myself. 

The account is for myself, XXXX XXXX, but my husband XXXX XXXX was contacted and should NOT have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Unable to cancel my account from Experian. Signed up a year ago for their credit-monitoring service and am billed {$27.00} every month. The only way to cancel this service is by calling their phone help line. Every time I try to do this ( have tied over 20 times ), the wait time is " 2 hours, '' but then no one ever picks up. To test, I once left it on all day at work. No one ever picked up. 

This company is a complete scam, fraud and should be fined and forced to allow customers to easily cancel online. 

I've tried to block them through my bank, but each month, they bill under a slightly different name, so it's impossible to block them from charging you.

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 2021-09-21
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a collections on my account for where I never lived and I called the collections company and they said The person only had a ID

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 2022-02-02
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report and this company are reporting incorrect information to the credit bureaus, a collection that is not mine. 
To whom may concern After all the due diligences I have done, Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

PURSUANT 15 U.S. Code 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. YOU AMERIFINANCIAL SOLUTION LLC IS conveying of information regarding a debt indirectly to the credit bureaus XXXX, XXXX, XXXX. I demand you to stop this illegal activity immediately and delete this alleged account from my consumer report. 
Attahched all documents with instructions to AMERIFINANCIAL SOLUTION LLC

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Siggi LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am XXXX XXXX, a natural person & a consumer. 

I decided to do business with this company, received the funds & saw in the contract that a finance charge was included. According to the truth in lending, the finance charge is the sum of all charges which means I should not have to pay cash. Everything is paid for with credit, I reached out to the company to let them know that & all of the laws that theyve violated & also sent them an invoice. They replied & said that theyre not subject to the FDCPA laws, and continued to take {$200.00} out of my account.

Company response to consumer: Closed with explanation