BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
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:
Chase closed my credit card account without giving notice and for no reason. Chase refuse to refund my annual fee. When I called chase, they refused to provide reason and refused to reopen my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The dispute is against the 3 credit bureaus ( Equifax, XXXX, and XXXX ) for violating the FCRA several different times. I sent disputes about this inaccurate and unverified information via certified mail to all 3 bureaus as far back as XX/XX/XXXX and as recent as XX/XX/XXXX. According to the FCRA 623 ( 3 ) - they must notate that there has been a dispute when one has taken place ( they failed to do so several times ) and the items need to be deleted. According to FCRA 623 ( 9 ) ( b ) ( E ) - if information disputed by the consumer is inaccurate, incomplete, or can not be verified.. ( ii ) delete that item of information. According to FCRA 611 ( 6 ) ( iii ) - they must disclose the description of the procedure used to determine the accuracy of such investigation, they failed to do so several times after I requested. All of the closed accounts showing on my report have a past due amount, which is by sheer definition is inaccurate. Those same companies are also reporting negative information to my account each month in the form of late payments when these accounts are closed ( more inaccurate info ). They say the accounts are " updated and verified '' but I am not sure how because the information is not accurate. They show no type of proof they did an investigation at all. I am hoping I can depend on the CFPB to be the watchdog on the bureaus and get them to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
The accounts listed are not my accounts. I have shown that I am not a credit repair company nor am I a mortgage company. I also DON'T have a Chapter XXXX bankruptcy and needs to be removed immediately. I have requested the removal of these accounts as now a second request. Please remove them immediately. 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 2016-07-08
Company: Neighborhood Housing Services of Toledo, Inc.
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I have had an ongoing problem with XXXX. Below you will find the latest form of discrimination to which they have subjected me : I took out a loan from XXXX for a home improvement Loan. Their address is XXXX XXXX XXXX, XXXX Ohio XXXX, phone Number is XXXX. They assigned XXXX XXXX to be my project manager for the duration of my project. However, He decided that he did not like me personally and is therefore, refusing to provide me with any assistance. He did not even have the courtesy to notify me to that effect. It was XXXX XXXX, XXXX Director for that location that finally decided to tell me this. Only to make matters worse, he did not, and still will not provide me with any information as to how to go about completing my project, such as how to order materials and pay for them, since they hold the purse strings. 

XXXX XXXX has also instructed any and all parties he has dealt with not to provide mw with any information. For instance, he contracted XXXX XXXX XXXX , XXXX at XXXX XXXX XXXX XXXX, XXXX, OH XXXX, to do an inspection for me, and he paid them {$110.00} out of my money. But, neither he nor XXXX XXXX XXXX will give me the results of the inspection. XXXX XXXX XXXX wants another {$680.00} for the work to contain my pest problem, and yet neither party will give me any explanation. 

Given the situation that both of these parties have placed me in, I feel that the both of the should be disciplined, and my money refunded since it is not fair to charge me for something which I never received.

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 2020-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I wanted to add my wife to my credit card. I was told a credit check would be done on her but not on my. She gave her consent to run a check. I was never asked, nor did I grant consent to run a credit check on myself which resulted in an unwanted/unnecessary hard hit on my credit report. The bank took no action to correct it's error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX and all 3 credit bureaus regarding a foreclosure that was opened in XXXX. My account has 9 inaccuracies. It is well over 30 days again and the account still has 9 accuracies and nothing has been updated or removed.

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 2020-11-11
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20 Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$220.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX of XXXX, XXXX ( XXXX ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely 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
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX To whom it may concern, I was looking at my credit report and I just realized that there are a ton of errors. I have notice that addresses have been showing up that I never lived at. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: CT
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Your firm is in violation of the federal authority on health information privacy arises from the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ), Standards for Privacy of Individually Identifiable Health Information ( 45 CFR Parts 160 and 164 ). California has several laws on health information privacy, including the Confidentiality of Medical Records Act ( Civil Code 56 et seq. ), the Patient Access to Health Records Act ( Health & Safety Code 123110 et seq. ), the Insurance Information and Privacy Protection Act ( Insurance Code 791 et seq. ), and the Information Practices Act ( Civil Code 1798 et seq. ). Citations for specific rights enumerated in this document are provided below. All the referenced laws may be found on the Privacy Laws page of the California Department of Justice 's Web site. Please provide copies of your security policies, testing and audits that prove your data privacy is compliant from a XXXX party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-09-25
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:
I have invalid incorrect data on my credit report due to a CREDIT FILE MIX WITH A PERSON WITH A SIMILAR NAME. I have contacted Experian about this merging of accounts that don't belong to me and addresses that I have never lived at, received mail, or recognized newly appearing on my credit report overnight. I demand for this information to be immediately deleted : Fraudulent ACCOUNTS THAT DONT BELONG TO ME : - XXXX opened XX/XX/XXXX - XXXX XXXX XXXX opened XX/XX/XXXX - XXXX/ XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX FRAUDULENT ADDRESSES THAT I NEVER LIVED AT/ BELONGS TO ANOTHER PERSON - XXXX XXXX XXXX XXXX nc XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX - XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX tx XXXX THESE ADDRESSES ARE ATTACHED TO ACCOUNTS THAT DONT BELONG XXXX ME BUT A PERSON WITH A SIMILAR NAME DIFFERENT SOCIAL SECURITY NUMBER! PLEASE HELP ME GET REMOVED!

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 2015-06-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
An account on my credit report has a mistaken date. I mailed in a debt validation letter to allow XXXX to correct the information. I received a letter in the mail, stating that Experian received my correspondence and found it to be " suspicious '' and that " I did n't write it ''. Experian 's letter is worded to imply that I am incapable of writing my own letter. I was deeply offended by this implication. 
I called Experian to figure out why my letter was so suspicious. I spoke to a representative who was incredibly unhelpful, She did not effectively answer any questions I asked of her, and she kept ignoring what I was saying regarding the offensive letter and my dispute process. I feel the representative did what she wanted to do, and I am not satisfied. It is STILL not clear to me why I received this letter. I typed this letter, I signed this letter, and I paid to mail this letter, yet Experian willfully disregarded my lawful request. 
I am disgusted with this entire situation, and I would like for my dispute to be handled appropriately, and I would like for an Experian representative to contact me and give me a real explanation for this letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Cooper Hoffman Klein Associates
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This company named Cooper, hoffman, klein and associates, has hounded me by telephone, at my home, work and my mother in law. They have used foul language at my place of work when asked to not contact me any further, they used the XXXX word to our receptionist at work, That persons name was XXXX, then I spoke to her I repeatedly asked her to not call me, I do n't know what she was speaking about in regards to owing something, I told her to send it to me by US mail, she told she did n't have to do that and that I was to pay up right then. They continue to call under many different numbers with automated messages, after they have been asked to stop many times. 
They have done every communication attempt in total disrespect! 
Frequent or repeated calls, Threatened to take legal action, general herrassment!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently contacted experian to dispute XXXX identical accounts on my credit report from XXXX and XXXX. The investigation took less than a week and it can back as updated. When I looked at the date of account reported to the credit bureau, it went from XX/XX/XXXX to now XX/XX/XXXX after I made a dispute. I sent a letter of validation to Lustig, Glaser and Wilson asking them to validate that I owe the debt on XX/XX/XXXX. They have not responded or validated that I owe such debt as of yet. XXXX, I believe is a fraudulent collection agency that works under several alias such as Lustig, Glaser and Wilson and several others. I do not believe that this account is mine. I also do not understand how XXXX different agencies are collecting and reporting for XXXX account. I highly doubt that what they are doing is legal and would like the Consumer Financial Protection Bureau to look into it. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I made 33 payments totaling {$19000.00} the car costs {$26000.00}. However, my balance is {$21000.00} meaning of {$19000.00} the principal applied was only {$4700.00}. Somewhere around {$3500.00} should be my interest for the 33 payments before the insurance applied the payment I should have been at {$17000.00} and some change considering that I paid for youse guys say that about XXXX and some change was applied to my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
debt was included in BK XXXX they are continuing to collect a debt that I have been relieved from filed in XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi there, Please help me! I am trying desperately to get accurate information on my XXXX! I am paying almost XXXX USD a year, I can never talk to someone and no one does anything, to resolve this issue! I have the feeling to be ripped off every of XXXX USD and nothing is done! 
I have filed XXXX business disputes, I have sent all legal documents to help resolve this issue. And nothing is done, as they keep on reporting completely wrong information, they are mixing our XXXX with an XXXX which has nothing to do with us! 
I have attached XXXX of the last business dispute emailI am so frustrated and I am seriously thinking to press charges! 
Looking forward hearing from you! 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I do not know what what these bad accounts are. I have not had credit with XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
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: Investigation took more than 30 days

Complaint:
I sent in a dispute XX/XX/2020 and have yet to receive a response from the credit bureaus and it's been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Van Ru Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Females from Van Rue of Illinois called XXXX, claiming to be from XXXX. I am in XXXX. They claim to be checking for some XXXX XXXX of a XXXX location. After checking, they are not from XXXX but from the rogue Van Rue Debt collector. I contacted individuals XXXX. XXXX XXXX appears to have its hands in several illegal acts : XXXX scam, embezzlement, and illegal drug sales.

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