BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: Arco Collection Services LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is not my debt. I have been paying this debt for years. I call to make a payment in XXXX of 2021. The lady was verifying my information and she said what kind of car I was paying for. I asked her to give me the information again and that is not right. She said you been paying this for years now. I said I was never told what kind of car only that you were garnishing my check. I had just had my check garnished. I got a letter from a attorney that it was paid in full. I talked to man last name XXXX who was very very rude. Arco Collection in XXXX, Tennessee had stolen money from me for years and knowing full well this debt is not mine, I deserve all my money back from these bullies. I want my money back they stole from me for years now I was bullied into paying these bullies. They will not give me any paper work nothing. No details!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Blackrock Mitigation Group LLC
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I initiated a rollover IRA to BlackRock from " XXXX '' institution on XX/XX/2021. I filled out the required form when opening my BlackRock rollover account on XX/XX/2021 I called Blackrock four weeks later to check on the status of this rollover order and I Was informed by betterment representative that it was " in-process, proceeding normally, and everything looks good please wait 2-6 more weeks '' Six weeks later still nothing so I follow up by calling Black Rock on XX/XX/2021 only to find out my rollover instruction was ignored and never initiated without *any* explanation from Blackrock as to why it was ignored nor any apology from BlackRocXXXX, XXXX XXXX of BlackRock XXXX me XXXX XXXX complete XXXX the Form with him over the phone ( which I did ) and immediately emailed it to XXXX ( Which I did ) he would expedite the rollover instructions On XX/XX/XXXX i received a letter in the mail stating that my rollover instruction has *again* been ignored without explanation as to why it was *never* initiated. This is disgusting behavior for a financial institution.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-19
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I have been reaching out to Regional Acceptance Corporation regarding a fraudulent contract and I did a cfpb complaint and Regional Acceptance Corporation decided to charge off the account. This account is also reporting inaccurate information on my consumer credit report.

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 2022-10-22
Company: ID Analytics, Inc.
State: GA
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:
Ive tried to get this company to correct these issues back in XXXX of XXXX  Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. 

I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. 

attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MI
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:
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank is in breach of cardholder agreement. Bank is holding cardmember liable for fraud charges. Police reports filed. Protection order in place. Bank is tampering with accounts and restricting them not allowing consumer access to funds. Bank is rejecting direct deposits and keeping the money for them self. Bank has stolen money out of consumers savings account, and refusing to release

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a never used American Express Prepaid Rewards gift card number XXXX expiration date XX/XX/19 CVV code XXXX valued at {$20.00}. When I attempted to use it at XXXX XXXX it was declined. They were told the card had a XXXX balance. I called XXXX and entered the card information three times and each time I was told the card had a XXXX balance. The card agreement states the value of the card does not expire. The card does not expire until the end of XX/XX/2019. When I called and spoke to a person I was told the card had a XXXX balance but I have never used it and it has not been out of my sight since it was mailed to me. 

At this point I believe I am a victim of fraud. I received the gift card as a rebate for a sale made with XXXX XXXX XXXX which I can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: ALLY FINANCIAL INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX  XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TX
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In the process of using XXXX with Chase Bank App to pay AC replacement known recipient of {$1800.00} the system glitch had added a new and unknown recipient with just the phone # only. According to chase fraud claim that they are investing and they are saying that someone had to login under my name or password to have processed the XXXX transaction but did not recognize or acknowledge that a glitch in their system had caused the recipients to change. Specifically to a unknown phone #, it seems that chase claims is covering a known issue and covered by prompt responses from the fraud rep. As a assistant manager for mortgage servicing that has dealt with fraud of unknown items it seems chase fraud is trying to assume the situation and covering up the faulty chase bank app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX  XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-04-04
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this company is reporting to two credit bureaus ( XXXX and XXXX  ) on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.

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 2023-09-06
Company: EQUIFAX, INC.
State: GA
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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I already filed one complaint against Bank of America for refusing to cancel a fraudulent application due to identity theft complaint number XXXX. I have contacted them several times about this. Yesterday I received the credit card in the mail. I did not apply for this credit card and I want it canceled and removed from my credit report both the account and the hard inquiry

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I got a alert from transunion that my balance increased on my XXXX XXXX XXXX XXXX to XXXX dollars which is Inaccurate. My current balance is XXXX a big difference. Per the Fair Credit Reporting Act in asking the credit bearus fixed this immediately and promptly. I took a screen shirt of the inaccuracies

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 2023-09-06
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting 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/2023, I filed my second direct dispute with this Agency to remove this fraudulent account from my credit report. I have asked for validation of this debt and only received correspondence that this sent was validated. I then proceeded on numberous occasions to request the original documentation with my wet signature proving that I authorized this transaction. This account was also reporting to my XXXX report and I filed a dispute and it was removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: Credit Technology, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got a hard inquire from Credit Technology Inc on XX/XX/2020 that I have no relation or authorized and reporting on XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have been attempting to contact Huntington Bank for over a month because I have moved to a new state and need to transfer the registration of my vehicle. I am now one day from having expired temporary tags because no one from Huntington Bank has ever contacted me or my local Department of Motor Vehicles. I have sent two letters, sent two faxes ( one of which was sent directly by my local DMV ), and had several failed attempts at phone calls with Huntington customer service representatives. Each time I have called, I am told by a representative that they can not help me but must transfer me to an auto lien department. Once transferred, I wait on the telephone for a period of time and then am disconnected. Getting savvy to this unfortunate chain of telephone run-around, I asked for a direct number to the autolien/title department, which unfortunately routed me directly to customer service again. This is unacceptable. I am going to be in violation of state/local law because Huntington 's awful management of its lien department . I want an immediate resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Initially, I contacted the prepaid debit card company Chime, on XX/XX/2022, via email for unauthorized debits that were drawn from my account. I received my direct deposit every two weeks into my Chime account and Chime acts as my financial institution that failed to honor my request for revoked authorization that was made prior to XX/XX/2022, via the Chime Bot. Chime was contacted via email and advised that there were 5 unauthorized transaction that occur on XX/XX/XXXX. 2022 by XXXX or it may appear as XXXX XXXX, I advise Chime that the merchant no longer had the authorization to debit my account. Yet on XX/XX/2022 after all efforts on my end to ensure that an unauthorized debit doesn't occur. XXXX XXXX XXXX XXXX was able to debit my account 3 times for XXXX then started to take random amounts of XXXX and XXXX which cause my account to go into overdraft status. I contact Chime yet again to advise that the merchant no longer had the authorization to draft my account. I spoke with several representatives who advised that the merchant will no longer be able to draw from my account. Yet on XX/XX/2022, another transaction occur from XXXX XXXX after speaking with Chime representatives to revoke authorization. They should not have been able to draft my account and do not have any authorization to debit my account. Any transaction that is honored, is without my consent. The debits continue to occur although Chime has been contacted several times via phone and email and advised as my financial institution not to honor any transaction from the XXXX XXXX XXXX. The debits continue to occur although I have received a new debit card, I revoked authorization. My request is not being honored as a result I am being forced to pay for transactions that show not be drawn from my account. This matter has caused hardship by allowing an unauthorized transaction to continue to be honored. Another attempt to debit my account occur this month in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: SC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief