BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-19
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am complaining about my key advantage checking account from Key Bank. I used a promotion code of {$300.00} bonus for opening this checking account and do not get the bonus. 
The {$300.00} bonus required {$1000.00} direct deposit and 5 online bill payments within 60 days from account open date. I met all the requirements, but Key Bank said I did not. The bank said my account open date is XXXX/XXXX/2015 and I met the requirements on XXXX/XXXX/2015 so I did not met the requirements within 60 days from account opening date, which I think is ridiculous. 
I did applied this account online on XXXX/XXXX/2015. But after submitting the application, I was told that the account was unable to be opened online and I had to open this account in a branch. 
Then I went to a KeyBank branch on XXXX/XXXX/2015, opened the account in branch. I made an initial deposit of {$50.00} which was posted on XXXX/XXXX/2015. 
I made the {$1000.00} direct deposit on XXXX/XXXX/2015. I made five online bill payments on XXXX/XXXX/2015 which are posted on XXXX/XXXX/2015. I definitely met the requirements within 60 days from my account open date XXXX/XXXX/2015!!!!! 
I went to a branch ( locating on XXXX XXXX XXXX, XXXX, OH XXXX ) on XXXX/XXXX/2015 to ask about my {$300.00} bonus. I was told I did not met the requirements since the account open date in their system is XXXX/XXXX/2015 and I should completed requirements before XXXX/XXXX/2015. It is ridiculous! My application was rejected on XXXX/XXXX/2015 online, I opened my account in a branch on XXXX/XXXX/2015.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
After paying the bill in full via their website and validating that it cleared my account the following day I received a phone call from them two weeks later on my cell phone stating they had no record of this activity. After giving them my acct and auth numbers, I pressed the agent and found out that it can take 30 day 's to process. The agent wanted me to send a copy of it clearing my bank account. Essentially they were making their problem my problem. The agent then asked me why I was berating them the day after XXXX. When I asked to speak with their supervisor, the agent said they were a supervisor. Very unprofessional and this upset me greatly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After Disputing my credit with XXXX by phone and on line the online report became unavailable. They continue to report multiple accounts it took 3 weeks to get them to send me a copy of my report by mail. They refuse to update my address information and are still reporting an address I have never had which ccould be associated with Idenity theft XXXX XXXX XXXX, XXXX Tx XXXX I have disuted this address several times. I never lived here or know how it has come to be on my report. They contine to report my student loans multiple times when I called the collection agencyes who they show to be reporting them I was told thet the reason they are showing up on my report is because XXXX is sending them repeated investigations ect but that they should have droped off after 30 days as they are no longer reporting them the loans have been discharged and I no longer owe them. They are reporting them 9 times.While there were only XXXX loans that have been completley dicharged. Also they have elected to now only report my negative credit and have erased all of good credit. which is only being reported by Transunion and experian. They wiped it off since 2013 when I last disputed my credit with them. Now because off their missreporting the amounts of inaccurate debts that were part of Identy theft XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. They continue to report these account along with the collection agencey who continue to harrass me in regards to the stolen credit cards.By doubleing the accounts and in the case of the student loans trippleing the number of negative accounts tremendousley effecting my credit score. After contacting the above original creditors they have all told me they have no rights to the accounts they have long been sold and are not updating or any longer reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
Please see Consumer Financial Protection Bureau complaint # XXXX XXXX Bank and the letter I received XXXX XXXX, XXXX dated XXXX XXXX, XXXX that list Transunion Consumer Relations XXXX. Transunion, XXXX XXXX XXXX XXXX, PA XXXX XXXX I am unable to reach Transunion list in the letter received from XXXX XXXX 's which is in retaliation to a XXXX Bank credit card. I paid XXXX 's off early before a promotional deal and paid for a 5 year extended warranty. When I ask XXXX 's for documentation for the extended warranty still effective - - I was told the receipt was proof of payment for the extended warranty and the XXXX 's XXXX care can be checked for verification. I only authorized XXXX 's to do a credit check when I obtained the card at the XXXX XXXX XXXX XXXX XXXX, Ca. Town center not in retaliation years later. Again, I can not reach anyone at Transunion which is listed as a sourced involved in the XXXX Relation/XXXX 's Matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I 've tried to resolve a credit issue with Lexus Financial over the phone and I 've had no luck. I finished a lease with Lexus Financial Services and asked them to show the credit transaction as satisfied and paid off with a zero ( {$0.00} ) balance. I have always paid this account on time and the history of it account should reflect that on my credit report. I 've tried to contact multiple departments as well as trying to reach their corporate offices with no luck. I normally would'nt file a complaint, however, their responses of " their is nothing we can do '' seems very scripted and does not sit well with me. I 've never had a problem with LFS accept for this. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
portfolio is showin on my credit report with an account opened date of XXXX 2015 I have only opened XXXX account in XXXX 2015 and that was XXXX auto loan which was paid off in XXXX from an insurance company due to toal loss, ive disputed this portfolio many times and I keep getting same outcome that says they verified accuracies consumers still disagrees, well yea because I did not open a credit card in XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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 name is XXXX, but I am NOT any of the many XXXX a company called Portfolio Recovery keeps calling me about. I have asked them to take me off my list, yet I continue to get calls for XXXX who are not me and not known to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Delbert Services
State: ID
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received a call today stating that I have been sued and that they have sent garnishment papers to my employer for a western sky loan that they say was taken out in 2011. I filed bankruptcy in that year they said it was taken out after that. This company has not contacted me up until today. I have not received any kind of paper work what so ever. This account has been sold to XXXX XXXX XXXX and I have read complaints that they are trying to collect on debts that have been paid off or forgiven.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are several credit card accounts on my credit report that do not belong to me. Based off of my credit report, it says that I am an authorized user on XXXX credit cards that do not belong to me. 

XXXX/XXXX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-13
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I get a Robo call from XXXX at least XXXX times every day for the past month. It concerns a supposedly debt with XXXX, but I called XXXX and that debt does not exist. If I return the call, I 'm just presented with an automatic message about where to send payment and no human ever answers. This harassment has been going on for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Harley Davidson Financial Services Inc
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
A gentleman by the name of XXXX XXXX has been contacting employees, their spouses, customers, and spouses of customers for a business I own. The gentle has then further informed them that the business is under investigation. Furthermore informed them that I am under investigation. XXXX of the employees he called is on probation, he informed him that he knew the employee was on probation and threatened to send people to the house. He then called that employees x-spouse and made similar threats. That employees can not now see his child because the mother was so intimidated by the call that she does not feel it is safe. That employee may now have to quit to maintain the relationship with his daughter. They have made several similar calls to customers of the business that they have found thru the XXXX page. They have gone above and beyond what the law allows to intimidate both customers and employees of a business I own for a personal debt that has nothing to do with the business. It has had an emotionall distressing and adverse affect on the business both in reputation, profits, and moral. From everything I have read I can not see how this is legal. They have been told on several occasions that I can not be reached at the business and they still call intimidating my employees telling them the business is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
portfolio recovery associates is trying to collect on I debt I do not believe is mine. They stated in the letter they purchased this bill in XX/XX/XXXX in regards to a phone bill not paid in XX/XX/XXXX they were not able to supply and address for this bill and the information they do provide is very vague. This debt would be XXXX years old if it was valid and according to the past history of this company I believe this to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
REFERENCE TO COMPLAIN CASE NUMBER XXXX I ATTACHED A COPY OF MY UTILITY BILL TO PROVE THAT THE DEBT IS NOT MINE. 
Case number : XXXXTransUnion said : Explanation of closureUnder the guidelines of the Fair Credit Reporting Act, we will not reinvestigate the item ( s ) unless you can provide new information such as court papers or a recent, authentic letter from the creditor ( s ) that explains what information should be updated. You may add a Consumer Statement of XXXX words or less to your credit report or contact the creditor directly. Contact information for each creditor is provided on your credit report for review. If you provide a Consumer Statement that contains medical information, then you are giving consent to TransUnion to include this information in every credit report we issue about you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. 




ResponseWe have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. Currently, XXXX # XXXX reflects as a collection, balance and past due {$1700.00} and estimated deletion of XXXX. 

In addition, onXX/XX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, you were notified in writing that the disputed information had been previously verified as being accurately reported by the data furnishers. 



What happened Product Credit reporting Issue Incorrect information on credit report : Information is not mine ( belongs to someone else, identity theft, fraud, etc. ) Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that TRANSUNION AND XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I reached out to PORTFOLIO RECOVERY ASSOC XXXX/XXXX/16, requesting verification of a debt. Today is XXXX XXXX, 2016 and I have yet to receive any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX XXXX. recently I checked credit wise online and found a loan for XXXX dollars from XXXX XXXX. I never got a loan or bought anything from this company or leased anything from this company. I am in the process of diputing this information

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 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I received a copy of my credit report after speaking to a representative in the Special Handling Department at Transunion and notice that there are addresses and phone numbers listed that are not mine. I originally sent a request XX/XX/2016 to have those address removed from my report. I have also sent proof of my current address and current 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 2015-04-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I identified new information for the cause of the XXXX 30 Day Lates on my Wells Fargo Mortgage. As previously communicated, my XXXX yr old mother got XXXX in XX/XX/XXXX and we moved her to XXXX closer to me. In the confusion, I inadvertantly missed XXXX payment, so each payment after for 3 months were also " recorded as late '' until I caught my mistake and made a double payment in XX/XX/XXXX. I sent a request in writing to investigate and remove the inaccurate reporting in " Good Will '' as I have always been on-time with my mortgage and considering the new information. I also added automated withdraw for all future mortgage payments, so it would n't happen again. I received a form letter response indicating what could be done ; nothing, and it was attached to the previous response that was sent to me. I do not think my request or new information was even looked at, just a representative doing a lookup and then regenerating the form letter decision. This is also preventing any opportunity for refinance and a way for Wells Fargo to keep me at 7.375 % when the going rate for the past 2-3 yrs has been hovereing around 3.5 %. This is unfair and Im confident this failure to investigate violates Reg Z, UDAAP, and FCRA and the subsequent improvements to FCRA that occurred in XX/XX/XXXX, and my ability to secure a new loan and refinancing ( Reg B ). I am willing to pursue this issue to the letter of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2016, I asked how I can keep my home, they said I had to pay around XXXX and also I had to have a proof that I had that amount, so I did it. On XXXX XXXX, 2016 I received a letter from the bank dated on XXXX XXXX, 2016 to pay XXXX and the due day on XXXX XXXX, 2016 letter, and the post office envelope shows it was sent on XXXX XXXX 2016, so when I called, they said this is past due, we have to send you another XXXX, and it will be more than XXXX. I asked them to postpone the sale date to gather the money, and they refused. It shows the Bank wants to go ahead with the foreclosure because it is more profitable for them.

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 2015-04-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In the collection information section from an Equifax credit report completed on XXXX/XXXX/15 there is a medical balance to which I have no knowledge of where it came from or why it is there. Especially because I have not been hospitalized nor to the hospital in a few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This " debt '' is for a {$40.00} bottle of Foundation ( makeup ) that was returned. Despite this being returned, XXXX still continued to charge me late fees. This whole {$120.00} is for late fees on a product that was returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Eastpoint Recovery Group, Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company called Eastpointe group on behalf of XXXX contacted me several times over the course of the last month. I advised them that I do not have any contracts with the company and do not wish to receive further communication on my cell phone. They have continues to call and have begun contacting my place of employment, phishing for information about me. Today, XX/XX/XXXX, they contacted my work at XXXX XXXX and advised my front desk that they are seeking to collect a debt and need information about me. I contacted them and asked them to cease contacting me on my cell and at work, and the representative stated that if i do n't give them {$300.00}, they will start taking money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
ACCOUNT NUMBER XXXX HIGHEST BALANCE {$660.00} CREDITOR INFO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX LAST REPORTED 4 days ago ORIGINAL CREDITOR XXXX XXXX XXXX RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory 1. I have called on XXXX ( XXXX ) separate occasions within the last 60 days to dispute the above report. 
2. This particular collection, however has been removed before only to return again.

3. Transunion is the reporting agency.

4. I telephoned TransunionXXXX  dispute number and on both occasions disputed this debt in its entirety. The debt is not mine. I have no knowledge of it nor did I visit the emergency room during this time period in any case.

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