BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The : following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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 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 2023-03-12
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have requested a copy of the contract with my ink signature to prove that the debt Gurstel is trying to collect on is in fact my debt since I have been and currently am in an active XXXX XXXX bankruptcy. I have provided Gurstel with this request via certified mail. In turn Gurstel continues to send correspondence to my previous address in hopes that I will not get it in time and they can get away with not sending the proper paperwork. I will be attending the court date and bringing my own legal representation. The amount of the debt is not the issue here, it is the fact that they have not followed procedure to reach out to my trustee to confirm my bankruptcy and they are violating my FCPA rights. I will not call this creditor as they keep insisting, everything will be done via certified mail so that I have the evidence to provide on our court date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never signed a HIPPA release form with the following alleged creditors : The law office of Mitchell D. Bluhm & associates , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX Texas. Therefore they are in accurate and HIPPA violations. I want these immediately deleted. HIPPA laws protect my personal medical information from being used without my consent and you are now aware of these HIPPA violations. Delete immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: GEM Financial
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX is sending constant emails every day to my personal email. No disclosure of a debt owed only asking for a card number for a payment and to call them. They use my first name only and seems fishy no other distinguishing information to make me believe these are legit emails. All the info is sent in subject line and a disclaimer at the bottom with a phone number ( XXXX ) XXXX stating to call them before XXXX. The frequency of these emails is getting out of hand the address sending it is XXXX and reply address is XXXX. Neither of those emails seem legit this started the XXXX of XXXX and they have emailed me everyday during my working hours since the XXXX of XXXX. Each email almost seems like a phishing attempt for PII using a time critical technique telling you to call before XXXX with no timeline stated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Torriere Holdings INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company has called a friend of mine asking for my number to reach me when they already have my information. Why are they going to a friend of mine about my debt? How is that legal, and professional? They should be a shame of themselves. Call me or email me. That is all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE LISTED ON THE PDF DOCUMENT ALONG THAT IS ATTACHED THE PERSONAL INFORMATION. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had a savings account with TD Bank for many years. The account balance was {$1200.00}. This money was kept just as savings with very little activity. In XX/XX/2022, I received a paper statement from TD indicating Account Closed, Escheated. I received no advance or warning phone calls or emails or other forms of notification that my account would be closed because of inactivity. 

I had a similar problem with this account several years ago and went to a local TD branch. At that time TD officials committed to set up the account to have a XXXX deposit periodically made to ensure that the required account activity continued to avoid closure of the account and turning its dollars over to the state. Because of these assurances by TD officials I did not thereafter concern myself with account activity. Nor did TD officials ever contact me to alert me that the terms of its original commitment to me had been altered -- and that I must now assume the burden myself of maintaining regular account activity. My reliances on TD Bank 's assurances led to my account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a Bank of America client for XXXX yrs. At the end of XX/XX/XXXX fraudulent withdrawals began to occur from my five linked accounts. First noticed in XX/XX/XXXX, filed first claim in XXXX and the first money given back, {$20000.00}. I was told in XXXX that it would be given back to me in 45 days, XXXX and a half months later in XXXX I received a check, for {$20000.00}. We have filed a total of $ XXXX in claims with the bank. I received a letter stating that in addition to the initial payment of XXXX they have another {$47000.00} of which I have been paid only {$9700.00} ( 20 % ) of the {$47000.00}. The other {$70000.00}, although we filed these claims, the bank has not even mentioned those filed fraud charges. Both myself and my assistant from the bank realize the bank is stalling. We also can not get the information from an account which we closed. The bank is dragging their feet and I did not who to turn to. Please help me. 
Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S I am trying to leave completely from B of A. I have moved to another bank.

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 2022-11-17
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I called all 3 credit bureaus. No one one would help me with my issue removing these items all of the items list are fraudulent and should be removed. 

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 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 2022-11-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A Chase Amazon credit card was opened in XXXX of XXXX with a credit limit of {$4900.00} which remained at or above balance since XX/XX/XXXX. 

For 15 months, I paid the minimum due within 30 days of due date, and remained at the high balance. 

On XX/XX/XXXX, I paid off the entire balance of the card, and Chase Amazon contacted me XX/XX/XXXX to let me know they have decreased my limit to {$500.00}. 

The letter states this is due to a periodic review and the following : XXXX. Balances on accounts are too high compared to credit limits XXXX. Number of accounts currently in use XXXX. You have one or more recent past due payments on your CHASE accounts However, the timing is very suspicious and these periodic reviews would have shown that the above listed reasons have been the situation for the majority of my time with the account. Chase did not make any changes to my limit when my balance was at or past the limit, and when I was paying the highest APR and interest rate every month. This now removes {$4300.00} from my overall credit limit, and keeps me at a high utilization rate. This types of behavior are discriminatory and practices that are intended to keep individuals in debt. I file a complaint against Chase and I have contacted them to file an investigation, which has led to them stating the same exact thing as the letter. I do not know if taking this time to write and express my experience will go anywhere, but I here is to hoping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: JPMORGAN CHASE & CO.
State: CA
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:
To whom it may concern, I recently received a credit history report which made me acknowledge an old account on my credit report. Its dating 6 years and 9 months on my credit report. Its a chase credit slate card -account # XXXX I would like to have it removed from my credit history as its too old to be visible on my credit report. I was never informed my account was closed or to to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: WI
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 disputed with XXXX, Equifax and XXXX in reference to an account on my credit report that has inaccurate information. All three credit bureaus has stated that the information is accurate. 

The account in reference is : XXXX XXXX XXXX IN account # XXXX ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general - If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
Equifax is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. The XXXXXXXX XXXX XXXX XXXX account reporting on my credit report as Closed is incorrect, inaccurate, and false. Additionally, the impact of the Closed account as a Charge-off and Balance is reporting wrong credit utilization. The XXXXXXXX XXXX  XXXX XXXX account reporting on my credit report as Charge-off is further incorrect, inaccurate, and false. 

Equifax responded " Trade : XXXXXXXX XXXX XXXXXXXX XXXX THIS ACCOUNT IS CURRENTLY REPORTING AS CLOSED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY. '' I did not sign any such credit contract agreement with XXXX XXXX  XXXX XXXX containing my full social security number and accurate signature where I granted permissible purpose for a credit application and to Open an account with XXXXXXXX XXXX XXXXXXXX XXXX that would be enforceable to Verify, Close, or Charge-off an account with a Balance in my name to be reported on my personal credit report. 

XXXXXXXX XXXX XXXXXXXX XXXX has no right nor authority to transfer or sell this account to XXXX XXXX XXXX, to enforce payment from me, or to collect on a debt owed to XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX fails to validate how debt is owed by me to XXXXXXXX XXXX  XXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. XXXX XXXX XXXX has no right to collect any debt for this account from XXXX XXXX  XXXX XXXX that was transferred or sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A Capital One credit card was fraudulently opened in my name on XX/XX/2023. The person applying for the card had used a previous address on the application. Neither me nor anyone in my household has applied for any credit cards in the past year. The card was forwarded to my new address on XX/XX/2023 which is how I discovered that this fraud had taken place. I immediately notified Capital One and they are conducting a fraud investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The XXXX Credit bureaus do not have my permission to report anything and I have the right to privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received notification from Phoenix Financial Services that I owed medical debt from XX/XX/2017. The information in the letter I received contained misspellings of my name and referred to an ambulance company in California ( a state I have never visited/been ). After researching the company and calling their customer service number, I learned that the information they have on me is incorrect and requested that they file a dispute. The company had reported this debt collection effort and I learned that it has affected my online credit score significantly The company requested I file a police report, however, the police department informed me that I can not file a police report if there was no financial harm/stolen property. The company then proceeded to send me more information about the debt to which I still can not file a police report. 

I have requested that the company allow me to dispute the debt but that has not happened as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: CA
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:
Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

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 non-monetary relief