BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: Southwest Credit Systems, L.P.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Southwest Credit Systems keeps calling me with numerous XXXX-area code phone numbers ( my phone number also starts with XXXX-area code ), every day, multiple times a day, for weeks on end now. ( Today is XXXX/XXXX/2017. ) Each time, it 's a new number, so blocking the phone number of the day provides little-to-no reprieve.
When I 've asked why they are calling, they say " personal business, '' and refuse to give me more details until I have verified all my personal information for them.
Every time I refuse to verify my information, because I have no written notice of debt from any business entity as of present. Upon review of my bills, as well as my XXXX credit report, I have no outstanding debts. As such, Southwest Credit Systems has no reason to be calling me. I called one of the XXXX numbers back today and asked them to stop calling me, and they refused. An exceptionally rude customer service member said, " you 'll have business with us at some point. '' Since the conversation crossed the threshold of reason, I hung up.
Submitting a complaint here seems like the next logical step. Please let me know if I can help with additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have called this company numerous of times about this debt not being mine they sent me three fraud packets and i sent all three but they stated that they never received two of the packets which i know was a lie. Then in XX/XX/2020 they did receive the third packet I sent. in XX/XX/2020 i got an email stating that the debt was valid but they didnt send the information I requested at all. While going through this I was speaking with XXXX XXXX who tried her hardest to help me she transferred me to a supervisor Back in XXXX I left a voicemail and never got a call back. Then i called again to ask to speak to the supervisor again and the gentlemen told me that no one can help me and i need to pay the debt i asked why was the information that i requested wasnt sent he stated that they are not required to send that information. I hope that phone call was recorded because those was his exact words to me. I filed a identity theft report with FTC sent over everything that was requested police report photo id. Now i asked them to validate the debt back in XXXX and they didnt respond at all and here it is XX/XX/2020 and still havent gotten the information. I want them to stop collections and remove this off my credit report I AM A VICTIM OF IDENTITY THEFT and they dont seem to care about that. Now i know its past the 30 days from the information i requested from them and they have to remove this because they were not in compliance at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Comenity Bank/XXXX  Visa The Account Opened is Comenity Bank/XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Experian Information Solutions Inc.
State: FL
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:
After looking over my credit report sometime last year in the past Ive realized that I have more than several erros that is listed under credit profile. I have no clue as to how they ended up on my credit file and I take it that your company has ignored me for more than a year about this error and I havent received any results from my internal dispute since last year XX/XX/2017. I am fed up at this point and feel as if no one is looking into this situation. By law THE FCRA section 609 states that if an account or inquiry isnt verified correctly it must be removed permanently without the original contract and the consumers signature. The following items are to be disputed internally within 3 days max. XXXX 1. XXXX XXXX XXXX = ACCOUNT 2. XXXX XXXX = inquiry 3.  XXXX XXXX 2x = inquiry 4. XXXX XXXX 4x XXXX  : 1.XXXX XXXX XXXX 2 . XXXX XXXX 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 2018-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After looking over my credit report sometime last year in the past Ive realized that I have more than several erros that is listed under credit profile. I have no clue as to how they ended up on my credit file and I take it that your company has ignored me for more than a year about this error and I havent received any results from my internal dispute since last year XX/XX/2017. I am fed up at this point and feel as if no one is looking into this situation. By law THE FCRA section 609 states that if an account or inquiry isnt verified correctly it must be removed permanently without the original contract and the consumers signature. The following items are to be disputed internally within 3 days max.  TRANSUNION 1. XXXX XXXX XXXX = ACCOUNT 2. XXXX  XXXX = inquiry 3.  XXXX XXXX 2x = inquiry 4. XXXX XXXX 4x XXXX  : 1.XXXX XXXX XXXX 2 . XXXX XXXX XXXX : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I sent a letter Account Resolution Services ( ARS ) credit collection agency disputing the debt that is being reported to all 3 major credit bureaus in the amount {$940.00}. I requested that ARS provide me with validation of the debt in the form of a copy of an original bill and a detailed statement of procedures. I asked that this information be sent to me via U.S. Mail within 30 days. On XX/XX/XXXX, Account Resolution Services sent me a letter stating that the debt is valid, but failed to provide the proof verifying the debt as I requested within my legal rights. They also failed to provide me with the ORIGINAL CREDITOR 'S contact information including full name, address and contact number. On XX/XX/XXXX ARS sent me the exact same letter again without any additional information stating that the debt has been verified by " their client '' and has continued to report this on my credit. By not providing me with the proper verification within the required amount of time ARS has blatantly disregarded the FCRA and FDCPA law. Now as of XX/XX/XXXX this inaccuracy is STILL being reported and I have yet to be given the opportunity to investigate this debt. I am requesting that you require this agency produce proof or immediately stop reporting this debt as it is affecting my ability to obtain credit with other lenders.

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 2018-09-15
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, XXXX debt collectors have re-aged my account by 3 years. Debt to XXXX due to unemployment layoff and new baby at the time in early XX/XX/XXXX went unpaid. Now in XX/XX/XXXX, it shows only 3.75 years. Company is misreporting the debt. Please investigate. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received any letter from this company about a supposed debt I owed. Sent a letter and disputed with CRA 's with all details about why this account does not match any of my accounts. Proof of letter sent with attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: U.S. BANCORP
State: OH
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:
I have recently been made aware of an item on my report that has caused several instances of inconvenience and denial of financial services. I was completely unaware of this issue until just recently when i tried to cash a check and was denied at several places. 
I have attached documents showing the report in question. I am not claiming fraud, as the account listed was mine, and was closed by me with the understanding that the account was closed and all was fine. 
The report on my social security number is listed as ACCOUNT ABUSE. What in the world does that mean? I had a account, i closed the account. I never received any notice of any outstanding debt from U.S. bank, or even a collection agency for that matter. If i would have, I would have paid whatever was owed. 
This mark on my report is very unnerving to me.

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 2019-11-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went into a Citi Bank Branch to retrieve funds on XX/XX/2019 from my account at a bank teller. I asked that all the funds in my account be given to me after providing my credentials, like my State ID and Social Security Card. The teller proceeded to ask me why I wanted to empty my account, and I explained that my account was constantly being blocked for senseless reasons. My Citi Bank account was blocked literally 72 hours before I went into the branch, which was on XX/XX/2019 to clear up a fraud block that I tried to clear up over the phone, but was lied to multiple times by representatives. When I went into the branch the personal banker was surprised that my account had been blocked for just a XXXX transaction. However, he called customer service and was able to clear it up and open a new account for me. The supervisor he spoke to said someone was calling in pretending to be me ( I had no idea about that ). Fast forward, I try to use XXXX with my newly opened account and I was BLOCED AGAIN. My online access and temporary Citi Bank card were blocked. When I called customer service, they adamantly stated my account was absolutely fine, but I STILL WASN'T ABLE TO USE MY CARD OR LOG IN ONLINE. So, I decided enough was enough and I went into a branch on XX/XX/2019 to take all my funds out of my account because I was tired of this sick GAME Citi was playing. I asked that the {$1900.00} be given to me at the teller. After the funds were given to me, I left the branch under the impression that ALL of my funds were in that envelope as I'd requested. But when I got home I noticed that I was missing {$300.00}. The envelope was sealed and never left my possession, meaning the teller had miscounted my money. I called Citi Bank Customer Service and filed a dispute about it. The representative said she would open up an investigation and someone would reach out to me in 24 hours, which has yet to happen. I am very displeased with the the HORRIBLE " Customer Service '' I've experienced thus far with this financial Institution.

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 2017-08-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX CFPB : JPMChase ARM Loan XXXX XXXX Accounting violates Financial Accounting Standards Board ( FASB ) Standards for verifiability. Verifiability QC26. Verifiability helps assure users that information faithfully represents the economic phenomena it purports to represent. Verifiability means that different knowledgeable and independent observers could reach consensus, although not necessarily complete agreement, that a particular depiction is a faithful representation. Quantified information need not be a single point estimate to be verifiable. A range of possible amounts and the related probabilities also can be verified. QC27. Verification can be direct or indirect. Direct verification means verifying an amount or other representation through direct observation, for example, by counting cash. Indirect verification means checking the inputs to a model, formula, or other technique and recalculating the outputs using the same methodology. An example is verifying the carrying amount of inventory by checking the inputs ( quantities and costs ) and recalculating the ending inventory using the same cost flow assumption ( for example, using the first-in, first-out method ). QC28. It may not be possible to verify some explanations and forwardlooking financial information until a future period, if at all. To help users decide whether they want to use that information, it normally would be necessary to disclose the underlying assumptions, the methods of compiling the information, and other factors and circumstances that support the information XX/XX/XXXX, JPMChase, through First Class Postage USPS Delivery, sent me a Mortgage Payment Schedule. The Accounting for XX/XX/XXXX lacks any detail, thereby rendering it Unverifiable. That violates Financial Accounting Standards Board ( FASB ) Standards for verifiability. I demand, that JPMChase waive all my mortgage loan re-payments in XX/XX/XXXX and account for all my mortgage payments in XX/XX/XXXX solely as Pre-Payment of Principal without Penalty, as Curtailment. Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally bank locked my account for 3 months and didnot restored it. Been trying customer phone line which is always waiting after holding for all days. They dont support anycalls

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 2020-05-13
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I reached out to PNC Bank to settle my delinquent HELOC and the representative from PNC Bank advised me to submit an application form with a settlement letter. PNC Bank acknowledged the receipt of the documents. The request was under review since than. 
I received a decision letter from PNC Bank dated XX/XX/07 stating that PNC Bank was unable to provide a loan payment plan but that was not my request. I called PNC Bank to go over the letter and the representative that assisted the call gave me a hard time and never gave me the proper information about my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection opened XX/XX/2020 Account type Collection Department / Agency /  Attorney this is not a personal account. this is a credit card merchant. I opened a business account with them and this is not personal account and when I tried to cancel my account they told me if you did not pay {$560.00} we are going to XXXX up your credit and I told them this not a personal account this is a business account and they just kept telling me we used you SSN and this is going to effect your credit score. I called them several times to let them know this is not right. I reported to XXXX and dispute it but still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Experian Information Solutions Inc.
State: NY
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:
i am having a situation with identity theft on my file. i have sent in my police report on several ocassions to experian but i believe due to the corona virus mail has gotten lost or staff is to short to process. i am attaching my police report and i am including a list of the fraud accounts that need to be removed from my file XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Thank you in advance for any help you can provide in bringing this matter to a resolution. 

Thank 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 2020-01-21
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:
Midland Funding, LLC claims I owe and continues to report bogus debt totaling {$2200.00} purchased from XXXX XXXX XXXX. 

I have disputed this debt through various channels including XXXX  and the XXXX XXXX XXXX. Each institution has sided with the debt buyer, claiming that their reporting is accurate, despite the fact that Midland refuses to provide concrete evidence which corroborates their fraudulent reporting and collection efforts. 

I also wrote Midland Funding, LLC a letter citing Texas Finance Code, and demanding substantive proof of the debt they allege I owe, which received no response, in violation of Texas law. 

I am hoping CFPB can resolve this matter by forcing Midland Funding to immediately delete this bogus collection from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
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:
Company # 1 : XXXX XXXX XXXX XXXX XXXX 

Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : XXXX XXXX XXXX XXXX XXXX Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score. 

Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report. 

Company # XXXX : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : XXXX XXXX XXXX. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score. 

Company # 4 : XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. This is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: GA
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 WANT TO KNOW THE EXACT REASON OR REASONS AS TO WHY THE ACCOUNT FOR XXXX OF A TOTAL OF XXXX DOLLARS. THIS ACCOUNT SEEMS TO BE ONLY REFLECTING UNDER EQUIFAX, AS AN UNPAID- CHARGE-OFF. NOTHING HAS BEEN DONE ABOUT THIS ACCOUNT AND I DEMAND TO KNOW THE REASON WHY. AFTER SEVERAL ATTEMPTS TRYING TO REMOVE THIS ACCOUNT FROM MY REPORT, NOTHING HAS BEEN DONE ABOUT THIS MATTER. THE FIRST ATTEMPT AT REMOVING THE NEGATIVE ACCOUNT FROM MY CREDIT REPORT WAS ON : XX/XX/2018, A DISPUTE LETTER WAS SENT TO EQUIFAX AND THEY DID NOTHING ABOUT IT, NOR DID THEY RESPOND TO MY CONCERN. THIS IS REALLY AFFECTING THE OVER-ALL HEALTH OF MY CREDIT AND THE GOALS I HAVE YET TO ACHIEVE, PLEASE HELP ME WITH THIS.

Company response to consumer: Closed with explanation