BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-09
Company: NEW YORK COMMUNITY BANK
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had an a passbook savings account with my father XXXX XXXX at XXXX XXXX XXXX XXXX ( a subsidiary of New York Community Bank ). My father died on XX/XX/2018. On XX/XX/2018 I went to the bank to withdraw the funds from my account. I was told that I could not access my account because I had neither a passbook nor a death certificate. The manager told me that the account would be flagged with the information that a joint account holder was deceased and that I would be able to access my account when I returned. She then printed a list of all the accounts bearing my name with the bank. On XX/XX/2018 I obtained a copy of my father 's death certificate via mail and I returned to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. On that day I discovered that {$14000.00} was missing from my account. The bank manager ( XXXX XXXX ) refused to tell me who withdrew the funds. All she would disclose was that a money order had been made out to XXXX XXXX XXXX on XX/XX/2018. I did not authorize this withdrawal. XXXX XXXX told me that she would have the bank perform an investigation and I would hear back within 14 business days. The next morning I received a call from XXXX XXXX that the funds had been returned to my account. I asked her to give me a copy of the withdrawal slip to find out who had stolen the {$14000.00} from my account. XXXX XXXX refused to do so. She has been asked several times to give me a complete documentation of this fraudulent transaction, but she has refused. Her position is that my account was made whole and there is no reason to disclose any further information. My position is that a theft of {$14000.00} occurred and I have a right to know who committed this crime. What further steps can I take to receive the information which I am requesting?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to 15USC 1681b ( a ) ( 3 ) ( A ) I am requesting that the inquiry that is not connected to any open credit account and occurred on XX/XX/2022 pertaining to XXXX be removed. 

( 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This has not been resolved, XXXX XXXX XXXX should have never allowed your company to purchase this debt because there wasn't any debt owed. How come my proof of payment doesn't match up with the one statement provided. I am requesting full history, transactions, payments, purchases etc on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed with Experian in XX/XX/XXXX and in XX/XX/XXXX with ftc affadvit and police report with utility bill, copy of id, and copy of report of identity fraud accounts reporting on my credit file and they responded with a credit report with the same info on it again. I also reported with the companies that were reporting and only a couple of them actually sent me notification that they will inform the bureaus to remove my info. I just checked again and even though there was no verification, the accounts remain on my credit file causing extreme distress and preventing me from refinancing my home loan. There were a couple of things that they said they verified but did not provide me of the info that they verified with. I told them that whatever they verified was not true because they were not my account!!! 1. XXXX Negative item- never heard of them. 2. XXXX Negative item 3. XXXX Negative item XXXX Negative item 4, XXXX. These were formerly disputed through your organization in XX/XX/2015 but you were unable to reach me because of change of phone number.

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 2017-03-15
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Several utillitiy bills from XXXX and XXXX were on my credit report. I disputed them with the credit bureau and asked them to to furnish proof they belonged to me. Experian did not send me any proof of the invetigation results, but they refused to remove these items. I would like them all removed as I do n't feel they belong 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 2018-11-09
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2018, I sent Equifax a dispute letter via US mail disputing a derogatory listing on my credit report. In my letter I formally requested that Equifax provide me with copies of any documents associated with the derogatory account ( XXXX XXXX XXXX ) bearing my signature. If, in the absence of any documentation bearing my signature, please delete the negative listing immediately. Upon completion of their investigation, Equifax stated that the account has been verified. On XX/XX/2018 I sent Equifax a second letter, in my second letter I requested the description of the procedure used to determine the accuracy and completeness of the information listed within my credit report. The name, address, and telephone number of each person contacted regarding this account, any documentation provided that is related to this account, and there method of verification according to FCRA 611 ( a ) ( 7 ). By federal law I have the right to request such information, however Equifax has failed to comply or provide me with any of the requested information. Given that I believe Equifax is acting in bad faith, and have not complied with the FCRA, I am filing a complaint with the CFPB. I hope that Equifax will take this matter serious, and realize what kind of impact, that there negligence has caused. I have experienced a tremendous amount of hardship and stress dealing with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account Number XXXX XXXX XXXX XX/XX/2022 - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/2022 - Unauthorized Inquiry has violated my rights. Or list of inquiries 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX the collection company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX send me to collection for a bill of {$970.00} from XXXX XXXX XXXX, account # XXXX that was not paid. I never lived at the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies last year and all of them removed this from my credit file back in XX/XX/XXXX. But this keep showing up on my XXXX and Transunion credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that XXXX credit bureau and Transunion credit bureau removed this from my credit report. If not I am going to start a legal action. 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 non-monetary relief
Consumer complaint received 2017-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I do not owe such a debt this is a mistake my insurance paid this, remove this account listed XXXX FOR XXXX INACCURATE DATA

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 2022-09-13
Company: Experian Information Solutions 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 has violated my rights. They are being represented as the debt buyer on my credit report and they are not the original creditor. Because of this, this agency can not assign me a monthly due date, nor report the balance as past due if we do not have a contracted agreement. In addition, the date last active is inaccurate and the date last reported is inaccurate.

15 U.S.C 1681 Section 602 ( a ) : States I have the right to privacy 15 U.S.C 1681b Section 604 ( a ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and has used my credit report without permissible purpose.

15 USC 1692D ( 4 ) The advertisement for sale of any debt to coerce payment of the debt is a violation. 

In addition, New York has placed a statue of limitations law under the Consumer Credit Fairness Act of three years. I am also not liable for this debt with XXXX XXXX and do not have a contract with them. XXXX XXXX did not provide me with the original application like I asked. Also, the name who the debt belong to is not my name.

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 2022-05-02
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Short summary : Chase Bank refuses to accept a mortgage payment from a savings account at XXXX XXXX, claiming it is policy. The mailed statements provide a section to fill in the name and routing number of another institution, and select a checking or savings account! 

XX/XX/XXXX, originated a cash out refinance through XXXX Bank loan finally completed on or about XXXX XX/XX/XXXX. 

XXXX Bank then forwarded the loan to J.P. Morgan Chase for servicing. 

XXXX XX/XX/XXXX- First payment to Chase for mortgage due XXXX XX/XX/XXXX- attempted to pay mortgage online. Was given confirmation #, but did not know it was declined until about a week later. Chase would not accept payments prior to XXXX XXXX. 
XXXX XX/XX/XXXX - called Chase and paid over the phone, I stated it was a XXXX XXXX Account, gave routing and account number, was given confirmation that the payment was accepted. 
Also on XXXX XX/XX/XXXX- I logged into Chase Bank, selected to set up automatic payments, logged into XXXX  through the Chase website, chose the account to pay from ( the only account i have at XXXX  ) and appeared to have successfully set up automatic payments. 

XXXX XX/XX/XXXX- Received four items in the mail from Chase, two statements with the same due date, but different statement dates and amounts. The later statement date showing ZERO payments made, one past due. The other two items were a HUD assistance letter and a debt collection letter. 

XXXX XX/XX/XXXX- I Called Chase. After about 30 minutes on the phone I am told it is against Chase policy to accept payments from savings accounts at another bank. I ask to have the issue escalated to supervisor. Supervisor states Chase policy is not to accept ANY payments from other banks except those that are checking accounts. 

Chase has only stated this AFTER I tried paying three separate times and at no time prior had any of this been revealed. I access the Chase mortgage account via our Chase log in that we already had for a visa credit card through them. We have about two decades of excellent credit history with Chase ( again, we DID NOT choose them as a mortgage servicer ). 

BACKGROUND : Property is a single unit condo, purchased XXXX as an investment property. 
Opened a XXXX  Business Money Market account ( a type of savings account ) to keep all income and bills related to the property separate from personal accounts. 
Prior to this refinancing the mortgage, which was with XXXX XXXX, had been automatically paid every month from this same money market account. 

This is basically CHASE dictating that I set up another separate account ( which means another account that I must keep a minimum in to avoid fees ) in addition to the other problems this would incur relating funds transfer automation and payments for other operating costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : Chapter XXXX Bankruptcy Account XXXX : XXXX has violated my rights. Or list of inquiries 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-14
Company: EQUIFAX, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$25000.00} Consider this as a follow-up complaint to my previous complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-11-21
Company: Khoury Alternative Claims Management
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My mother rented the 2016 XXXX XXXX XXXX from XXXX, XXXX XXXX, FL for three days starting XXXX/XXXX/2016 to XXXX/XXXX/2016. 
On XXXX/XXXX/2016, my mother returned the SUV back to XXXX garage free of any damage during her rental period. A XXXX employee thoroughly inspected the car upon the return and found no damage that my mother was responsible for. With the employee 's approval, she returned the car and paid all the rental fee without being notified that there 's any damage on the vehicle that she was responsible for. 
On XXXX/XXXX/2016Alternative Claims Management sent an email to us saying that XXXX XXXX XXXX XXXX is filing a damage claim of {$530.00} again us months after our rental. 
After we sent them a dispute letter saying that we did n't cause any damage during our rental, Alternative Claims Management and XXXX insisted on collecting the claim. 
I think they are making a fraudulent claim and are trying to scam us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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