BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
First Source Advantage has called two people who are not me. One, related ( mother ) including another unrelated. They have harassed both parties, calling them 3 times a day for 36 days and counting. Most common phone number they have called from is XXXX. They have broken fair debt collection act laws on multiple occasions. They have disclosed my social security number to two people who are not me, they have disclosed alleged amount owed to people who are not me, they have disclosed my personal information multiple times, they have also disclosed what company the debt is allegedly owed to. 

List of Fair Debt Collection Practices Act broken 804. Acquisition of location information 15 USC 1692c 805. Communication in connection with debt collection 15 USC 1692d 809. Validation of debts 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 810. Multiple debts 15 USC 1692i

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Date XXXX  RE : Request Investigation of Credit XXXX on My Behalf SSN XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. 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 2023-03-02
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received a phone call from Fortiva and I was told the payment was only 14 days behind.. I have a late payment on my credit report that I disagree with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: CORELOGIC INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 I noticed a credit inquiry dated XX/XX/2023 on my XXXX Credit File. The inquiry from CredCO/XXXX XXXXt states it was a " XXXX XXXX '' inquiry. I did not complete a real estate application with CredCo/XXXX XXXX on this date or any other date. 

I called CoreLogic Credco at XXXX to dispute the inquiry and their message said their phone system is not working to call back late. I tried their website and was not able to submit a request for assistance.

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 2022-03-14
Company: EQUIFAX, INC.
State: LA
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:
There are 3 inaccurate accounts that qualify for deletion 2 charge offs and one late payment see letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Bread Financial Holdings, Inc.
State: IL
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:
A credit card was opened in my name on XX/XX/2023 I did not authorize to open. The credit card was opened under comenity bank ( XXXX ) a bread financial company. I had spoken to the credit card company and they have flagged the account and closed it. I additionally spoke with the fraud department at XXXX credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 an order was placed at Ashley Furniture for {$3000.00} using a Synchrony Bank credit card. The order was for a couch, bed, and bed frame. On XX/XX/2018 the order was modified to a different couch for {$2800.00}. On XX/XX/2018 the order was canceled. I have reached out to Synchrony Bank on multiple occasions to notify them of the canceled order, however they refuse to acknowledge the credit and continue to charge me for the canceled order. I have also provided Synchrony Bank with the credit, however they continue to keep the order on my statement. Attached you will find the two sales orders along with the credit voiding the sale.

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 2023-03-14
Company: MORGAN STANLEY & CO. LLC
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Morgan stanley Etrade financial sent a letter after I made a complaint and closed my account. The stated reason was because of a XXXX balance. My balance is currently XXXX cents. If Etrade closed my account they should have sent me a check of any funds in the account. Etrade is refusing to give me my funds. Customer service representative asking me if I was willing to let the money go. I cant believe I was asked this. I asked for a supervisor and told person I was recording him. Representative got angry and put me on long holds to avoid being recorded. Supervisor never responded. These are all bad practices that should not be ignored. I am not sure how a bank can decide when to close an account. If a bank closes an account just send any funds to the account holder and be done with it. I asked why my account was being closed and representative would not provide information. Please forward this to both Morgan Stanley and Etrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$16000.00} ; XXXX  XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$8400.00} ; XXXX  XXXX Balance Owed : {$360.00} ; XXXX  XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
For the last several years Chase has sent me offers in the mail to get a new account bonus when opening an account. Finally after over 2 years of offers I opened a new account with the coupon the sent me offering {$300.00} bonus for a new account. 

After meeting the requirements of the offer they deposited only {$200.00} as a a bonus and not the full {$300.00} as advertised. 

I still have the offer card they sent to me and have even received further offers of the same from them. 

I contacted them the day after the {$200.00} was deposited and they opened a complaint / investigation ticket for me. The company had a lady named XXXX contact me on XX/XX/XXXX and left a voicemail with a number to call her back at to discuss. 

I have left her multiple voicemails every business day since then with no response. I have called customer service and they can not reach her either. I then opened a second complaint 2 weeks ago and have still not heard back from them on that one either. 

The coupon code on my card was : XXXX XXXX XXXX XXXX This is a terrible way to begin a relationship with a new customer by not keeping your offer and the lack of response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29
Company: Firstsource Business Process Services, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or around XX/XX/XXXX, I received a letter from the collection agency, The XXXX XXXX XXXX XXXX, stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX - My name as seen on the account : XXXX XXXX XXXX. 

Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - XXXX  XXXX XXXX - {$570.00} ( Original creditor XXXX  XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX - {$320.00} - Regarding XXXX XXXX - Ref. # XXXX XX/XX/XXXX - Firstsource Advantage , LLC - {$710.00} Re : XXXX XXXX XXXX. - Ref. # XXXX In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting document.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below SOUTH WEST CREDIT SYSTEMS Account Number : Collections {$490.00} Please remove it from my credit report. 
Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Applied for the offer that stated earn XXXX XXXX  bonus miles when you complete $ XXXX in purchases and also receive a {$100.00} statement credit after making a purchase on XXXX within 30 days or so. I completed all the requirements back in XX/XX/XXXX right before the date to complete the requirements within, i have yet to receive my XXXX miles and my {$100.00} statement credit. I feel i have been a victim of credit fraud where amex simply just lured me to sign up and never delivered the promised. I have immediately stopped using this credit card and will not use it again ever, i have also spread the word among my family and friends to never sign up for XXXX, as they are in shady business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29
Company: OLIPHANT FINANCIAL, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2023, Oliphant financial posted a collection account to my credit. I called Oliphant and learned they had attempted to send a letter to an address in XXXX AZ that I had lived at in over five years. Oliphant told me that the original creditor was a company called XXXX and I told Oliphant that I have a fraud alert on my credit file and that I do not remember ordering anything from this company and that in XXXX my banking information was hacked so I needed to verify this charge. I told Oliphant that I never received any communication from them prior to them reporting this to my credit file and that I had not opportunity to validate the debt within the 30 days I am entitled to. I then filed a complaint with the XXXX complaint # XXXX. Oliphant used stall tactics initially responding to my XXXX  complaint that they couldn't respond because it would reveal my personal information and they did not have permission from me. So I did not accept that response and their second response was to have me call them again. When I called them again, I was just told the same thing so I'm not sure what the point was in having me call them again. I have called XXXX and apparently this company does not exist anymore. It was bought out and the new company can not prove that I was the one who ordered this or give me any additional information. The original creditor can not validate the debt! I offered Oliphant the money just to be rid of this headache and have my credit restored but I was told they do not offer pay for delete. Because I never received proper notice and because the debt can not be validate since XXXX does not exist anymore all collection accounts should be immediately DELETED. For reference Oliphant employees I spoke to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, at XXXX XXXX, I contacted customer service via phone and was informed that my account had been blocked due to unauthorized login attempts. The representative on the phone instructed me to visit any branch with my license to have the block removed. On XX/XX/2023, at around XXXX XXXX, I visited TD Bank in XXXX, NY to discuss my account with XXXX XXXX. However, I was advised to return the following day to speak with the fraud department as they had already closed for the day. 

On XX/XX/2023, at around XXXX XXXX, I went to TD Bank in XXXX, NY, and spoke with a representative who did not provide me with his business card. He informed me that my account had been closed due to activity on XX/XX/2023, at XXXX XXXX  that did not comply with TD Bank guidelines. He declined to elaborate when asked for further details and only provided me with a card with the number XXXX. He did not disclose his name during our initial interaction. 

I am aware that my account has a negative balance and made a deposit of funds via XXXX on XX/XX/2023, which was unfortunately declined. 

I was also unaware that the bank offered the option to block my debit card from approving purchases when there were insufficient funds. Additionally, I have not been informed of the specific reason for the closure of my account. I have not received any phone calls, emails, or other forms of correspondence regarding this matter. 

I experienced feelings of humiliation during my interaction with the representative at TD Bank in XXXX, NY, and I believe that I was not treated with the respect that I deserved. I am seeking a resolution to this matter and request that TD Bank in XXXX, NY take appropriate steps to rectify the situation, such as inviting me back in to reestablish my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: FIRST PORTFOLIO SERVICING INC
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This company takes payments via debit card and then illegally holds that money for several weeks claiming they need to 'verify ' funds even though they have had those funds for weeks. They place additional random and wholly illegal holds on the card preventing the cards use This bank is shady at best. Their customer service personnel are not from the U.S. and are of no help, constantly citing bank 'policy ' as the reason for the illegal practices.

Company response to consumer: Closed with explanation