BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had a legal name change in XXXX of XXXX. At that time I updated my Social Security Card, got an Amended Birth Certificate, updated the name on my driver 's license, updated my name on my Medicare card, changed the name on my checking accounts and all other financial accounts. 

All except for one. XXXX bank is the ONLY bank that has thus far refused to update my information. I have tried sending them multiple faxes over the past 3 years with all of this information. I also tried giving the information in person at their closest branch office. I tried attaching the files to their secure message system while logged into the account. I tried mailing them the documents at my own expense. 

To this date, more than 3 years later, they continue to refuse to update the information on the account. This has had real world disastrous consequences for me. By continuing to report the old name while everyone else reports a new name it resulted in a credit report being fractured such that it appears as if two different people are using the same social security number. I learned of this in early XXXX when I was approved for a mortgage refinance that I needed when interest was low and income in the household was impacted by the pandemic. I was initially approved, but then a security flag denied me because my old name and new name appeared on separate credit reports with the same social security number. And I still can't get that fixed! Every time it seems to be fixed it breaks again because XXXX bank continues to report the old information as if it is current! They are preventing me from having access to any new credit! The level of harm they are causing me is absolutely severe and all I've asked them to do is fix the error by updating the account information as required by law!

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have informed TransUnion of the inaccurate info being reported on my Credit. I have sent out dispute letters. I have the right for my Credit Report to reflect the facts. I have never given my permission to anyone to XXXX these accounts. 

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 non-monetary relief
Consumer complaint received 2023-09-20
Company: MIDFIRST BANK
State: WY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/23 {$11000.00} was transferred from my checking account at XXXX XXXX to an account that was opened using my identity ( name, SSN, DOB ). I had no knowledge of this account. I filed a fraud claim with XXXX XXXX and Midfirst Bank/Vio bank denied the claim, as they stated it was authorized. It was not authorized. I have spent the last 3 months trying to get my {$11000.00} back. XXXX XXXX claims Midfirst bank is responsible for returning the money, and Midfirst Bank claims XXXXXXXX XXXX is responsible. I spoke to customer service at Midfirst bank on XXXX was told this is being investigated, red flags were raised, it was unusual and someone from the fraud department would contact me. They could not give me the account number. I was told there was a good chance I would get my money back. No one contacted me. I called Midfirst back on XX/XX/23 and was told XXXXXXXX XXXX filed the claim incorrectly, as this is identity theft. They also informed me the account in my name had been closed. I called XXXX XXXX and they told me they submitted a new claim on XX/XX/23. I did not hear back from either bank and each bank told me to call the other bank. XXXX XXXX stated the identity theft claim should have been initiated by Midfirst bank, and they are responsible for refunding my money. Midfirst Bank stated that they did not receive the claim that was submitted on XX/XX/23. ( I received a letter of confirmation from XXXX XXXX of electronic fraud ) They also stated that the claim was submitted incorrectly, and more than 60 days had passed, so they do not have to refund my money. They stated that had the claim been submitted correctly, they would have to refund the money. Midfirst bank opened an account in my name and did not properly identify the person who opened this account, and they should refund my money.

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 2023-07-05
Company: Atlanticus Services Corporation
State: NC
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:
I received a new XXXX in the mail from Fortiva on Saturday XX/XX/2023. 

I did not apply for this card, authorize this card, or desire this card. 

The company sent me a " congratulatory '' email on XX/XX/2023, that a card was being mailed to me unless I responded. I did not see the email in time. 

I also received a credit alert from my credit monitoring service that my credit score had dropped because a new account had been opened in my name. 

I contacted the company on Saturday XX/XX/XXXX to complain that this was unauthorized. I asked to speak to a manager. They said one would call me. No one has called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX, has violated my rights. 
ACCOUNT NAME : XXXX  XXXX # XXXX, has violated my rights. 
ACCOUNT NAME : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX has violated my rights This information is not only inaccurate but an extreme hindrance on my current journey. This is preventing me from getting a new credit card, qualifying for a new home or car purchase for myself and my family, as well as not allowing me to qualify for funding on my current business endeavor. 

15 USC 1681 section 602A states I have a right to privacy.

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

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

15 USC 1681 s-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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 reporter act XXXX XXXXXXXX XXXX XXXX XXXX amount XXXX XXXX # XXXX Date : XXXX. has violated my rights 15 USC 1681 section 602 8 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 your 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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have filed complaints and FTC Reports regarding a XXXX XXXX XXXX account appearing TWICE on my credit report. I have contacted the creditor and they refuse to provide any information or why this account is reporting twice to my credit report because they said they do not have my information in their system. It appears that the creditor is reporting personal information that does not belong to me such as an address. This address does not appear on my credit report nor belong to me and I have informed the credit reporting agencies of this information. The credit reporting agencies are refusing to investigate and remove this fraudulent information even though an FTC report was submitted. I don't know what else to do at this point because I have contacted the company, and the credit reporting agencies, and filed a FTC 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 non-monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  are actually doubling down. They are up to their old tricks. There was an account from XXXX that started with XXXX XXXX, that Got sold to XXXX  XXXX, then to XXXX XXXX XXXXI called XXXX THEY couldn't find the account. I ca
lled XXXX XXXX and lady I spoke with said " account was charged off in XXXX  '' .. she didn't say it was sold to XXXX XXXX XXXX, but I have a letter trying to collect. XXXX to now XXXX is what? Almost 10 years, 7 years would have been XXXX, but the way it appears on my credit report, Experian.. it appears that an account was just opened in XXXX with XXXX  XXXX, Then XXXX XXXX XXXX  appears separately as a different debit.. well that is what they are trying to do. I thought after 7 years they could no longer collect or be on credit report.. I never received any notice from XXXX, XXXX XXXX, NO ONE. it appeared on my credit report from no where. I got divorced in XXXX. My ex-husband divorced me by public notice said I went missing when he knew exactly where I was, in the hospital. 3 hours away and yes we were going to divorce but agreed to wait a year until my XXXX XXXX  and my XXXX XXXX was better and I believed him like an XXXX.. and he pulled this stunt and got away with it and won a default divorce. Yes that's small town GA for u. He illegally got me out of our joint banking accounts, and I lost everything and I found out bc I was at the hospital and was informed my insurance was cancelled. I didn't have money {$5000.00} ; to retain an attorney. My parents believed this XXXX XXXX, and they believed I left with a man.. when it was really him with a girlfriend... He's that good of a liar. He opened up accounts during our marriage and I got stuck with the debt and he got everything... I went from high class to poverty.. and this XXXX from him keeps coming back up on my credit report over and over and I can't handle it anymore. XXXX XXXX XXXX needs to stop reaging accounts So they can keep putting them on the credit report and actually making them look like 2-3 different debts.. please get involved. Im trying to rebuild my life.. and accounts I have opened I do pay on time every month.. I have been fighting with Experian mainly to investigate this.. they say they do but they do not. I spoke to someone at XXXX and I was yelled at.. threatened and I'm not putting up with it.. please intervene.. this account is on my credit report illegally.. divided into SEPERATE accounts and it's making me XXXXs. Im begging you to intervene and demand them to follow the law.

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 2021-01-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Balance : {$3200.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. Please remove this account. 

XXXX XXXX XXXX, XXXX XXXX Balance : {$1300.00} XXXX account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance {$1400.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove. 

XXXX XXXX XXXX XXXX Balance {$610.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: DISCOVER BANK
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the fourth attempt I have sent more than enough supporting documents to have these 3 accounts removed from my credit report. i have reported these fraudulent accounts to the federal trade commission which in fact is a federal law enforcement agency. i am attaching all my supporting documents to support my request. such as NOTARIZED FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT. REPORT NUMBER XXXX A POLICE REPORT FROM MY LOCAL POLICE DEPARTMENT AND MY STATE ID AND CURRENT UTILITY BILL THAT VERIFY WHO I AM. I AM ALSO INCLUDING THE LAWS WHICH FURNISHER NEED TO FOLLOW UPON A IDENTITY THEFT CLAIM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent for validation of the debt to this agency, it's been over sixty days and they just ignored me. Yet they are reporting three duplicate accounts on my credit. I do not owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: NJ
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:
My right have been violated according to 15 U.S.C 1618 section 602A states I have the right to Privacy.

15 U.S.C 1681 section 606A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

These two accounts have been reflected badly on my credit report for over seven years. 

XXXX XXXX XXXX  Date : XX/XX/2015, Account # XXXX XXXX. XXXX XXXX Date : XX/XX/2015, Account # 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit report is showing late payments on XXXX XXXX, XXXX XXXX XXXX & XXXXXXXX XXXX XXXXXXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

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 2023-08-18
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: Information belongs to someone else

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX. Please delete this account ASAP.

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 2023-09-28
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested written validation of my debt. I received a validation letter dated XX/XX/2023 from Arcadia Recovery Bureau , LLC that failed to include the following information : 1. Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong 2. An end date for a 30-day period when you can dispute the debt The debt collector did provide an itemized statement from the creditor, XXXX XXXX XXXX XXXX XXXX XXXX but the amounts differ from the validation letter. 

Professional Charges : Total Charges : XXXX Professional Payments and Adjustments : XXXX XXXX XXXX Total Insurance Payments and Adjustments : XXXX It is not clear how the debt owed came to amount to {$140.00} as indicated in the validation letter from Arcadia. Doing the math as listed in the itemization I come to a total of XXXX. 

XXXX XXXX XXXX = XXXX I received multiple bills from the creditor, XXXX XXXX, with differing amounts ; on XX/XX/2023 total payment due {$140.00} and XX/XX/2023 total payment due {$210.00}. Also, the itemization of the current amount of the debt does not reflect payments or credits within the validation letter, which differs from the creditors itemization of the above-mentioned payments and adjustments. I am submitting this complaint because I was not given proper information regarding this debt collection, nor an ability to dispute, nor an end date to dispute by, or a reasonable explanation of the amount of debt owed including any adjustments, or credits applicable. The debt collector and creditor appear to be using disingenuous accounting to misrepresent owed amounts which needs to be investigated further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Duncan Solutions, lnc.
State: CA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I sent a letter of validation pursuant to 15usc1692g certified united states mail to the dispute department at the XXXX XXXX XXXX XXXX XXXX XXXX. I sent the letter it was recieved XXXX. I called today XX/XX/2023 at XXXX I was on the phone with a rep for XXXX minutes because a supervisor would not come to the phone to handle my questions. It has been over 30 days and no validation of the debt has been sent to me as requested.

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 2021-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've reached out to contact you about the late payments on my capital one credit card. I do not recall making any late payments. Please send me the information you have on file for me validating the many late payments on my credit report. This information needs to include, the statement backing to when the account was open, the address on file for this account, the person on file for this account, and contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2020 I received an email stating that USAA was revoking all business with me. On XX/XX/2020, my account would be closed and all funds would be held until that date. I have fought tirelessly for my money. I was told by XXXX XXXX that it could not be closed early but a check request would be issued regarding the stimulus funds.In other words, I would have to wait until XXXX XXXX. Well it is XXXX and the account is still open and now I am being told that it is because money of another fraud case or something. I don't have a fraud case open. I don't know what type of mess they are making up. I have been sent over 5 letters stating that the account would be closed on XXXX XXXX. I even have one document stating XXXX XXXX. I don't care what the issue is USAA has -- -- -I just need my money ASAP. When I called about it tonight, the rep said the fraud department would call me back in 2 days. I don't have two days, especially when there was a letter sent to me stating that I had to wait until XXXX XXXX. I want my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation