BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Wrong person, same name XXXX years older than me he doesnt pay dental, medical seton hospital phone bill. Im born XX/XX/XXXX. The person ruining my credit score was born XX/XX/XXXX.We have sname name. I live in XXXX Texas. This guy lives in XXXX Texas and previously 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 2016-06-11
Company: R.M. Galicia, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have multiple charges against my credit report from a company " PMS '' Progressive Management Systems trying to collect on debts from XXXX Medical Center. I have never been contacted by PMS directly and only know of them through my credit report. They 've not contacted me either through mail or via telephone. I sustained a debilitating injury XXXX in XXXX of XXXX. I filed for XXXX in XXXX, XXXX ( I honestly kept hoping the problem would go away! How dumb was I? ) In XXXX XXXX my XXXX was approved with all charges in relation to my to be paid retroactively. My XXXX was approved retro to XXXX, XXXX. I was then approved for Medicaid at which time it was deemed that any charges concerning XXXX would be paid either through Medicaid or XXXX XXXX XXXX XXXX. All physician appointments XXXX were made due to what ended up XXXX. I was clearly not seeking physician 's expertise for no reason. I had specialists from XXXX that submitted reports to SSI throughout this span of time, informing SSI that my injury was XXXX. I met with an SSI adjudicator XXXX who also made clear my injuries were attenuating, yet it still took two years to get approved. Regardless, I am grateful for the medical approval, but need to assert that any and all charges relative to the XXXX are legally the responsibility of either Medicaid or XXXX XXXX XXXX XXXX. Again, I want to stress how thankful I am for the services that paid for my injuries, but need to hold firm in the fact that all charges from XXXX should be paid by other entities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My employer attempted to directly deposit my paycheck into my Checking account. They have successfully deposited into my account since I began my employment. The bank then declined the direct deposit from my employer. There were no alterations or changes to any information with my employer or my bank. The bank has at this time decided to reject my paycheck. After discussing with my employer, they have said that the bank is still holding the rejected paycheck funds and have not returned them. After a second discussion with the bank, they advised that there is no record of my employer sending the funds ( my employer provided me with the evidence that the funds were sent ), they advised there was no record of my call to discover why my direct deposit was never received and that they do not see anything that would indicate that they have the funds that have yet to be returned to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have had several errors removed from my credit report from Transunion. There reaction was to remove the errors but drop my score XXXX points. There is now a almost 100 point difference between Transunion and other agencies. Is that ethical? How can removing an error result in a decrease in the credit score. 
It would be very kind if you could advise me if that is ethical behavior. If not, can any action be taken. 

Thank you in advance for your help and support. 

Kindest regards, 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 2015-11-18
Company: Premier Portfolio Group
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received multiple phone calls from people identifying themselves as from a " portfolio group '' and that I had passed a bad check with my SSN on it. I have n't had checks or written a check in over 8 years. Other information online reports similar ridiculous claims and harassment. They call multiple times a day from different cities and states. Continued harassment will result in legal action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: Credit Bureau Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I filed a complaint against XXXX disputing this bill with what I was told at the time was the correct agency to do so. I do not owe this debt to XXXX, so I should not be receiving notification from any third parties requesting payment for same ...

Company response to consumer: Closed
Consumer complaint received 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America credit card XXXX XXXX XXXX XXXX fraudulently charged me " late '' fee of {$2.00} even though I paid them {$230.00} as required under their statement. See attched statement.

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 monetary relief
Consumer complaint received 2017-04-06
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
AD Astra Recovery service is on my credit report. I did a request for verification of a XXXX loan that was taken out without my consent. I have attached a loan that was attempted on my Daugther 's SSN also. During the Summer I did attempt to start business funding. My information was given to third parties. 

I did have phone contact with AD Astra Recovery. I did state I had a POA. The phone call was aggressive and not consumer friendly. If I say one thing a phone call should end. The probing and questions. I do have a POA in place due to my information was given out. I have had fraud on my bank accounts and have been through harassing or " scam '' calls since this started since XX/XX/XXXX. 

I did receive an email from XXXX for an email for a XXXX loan approval rating. I never received a phone call to verify any information. I used my email address. I do n't see the -signature. Also, I went back to research XXXX. I I do have an illegal credit check on XXXX Report from XXXX. I never authorised this credit check with XXXX. 

I have read many complaints about Astria Recovery and XXXX. I ca n't find they are invested with each other. Astra Recovery Systems and XXXX do not help the debt consumer but keep them in debt by getting more loans or using the credit check to initiate on credit reports to force payments. I have read numerous accounts of they will take negative reports if paid today. 

A collection was placed on my account last week. A man name XXXX ( the wrong name is given in the previous complaint ) XXXX SEM scheduling called my home. He did give out Recovery Service was going to my home to serve me. Who will be my lawyer in XXXX TX. 

I drew up a legal notice to AdAstria. I told them in the letter that I will advise my attorney. XXXX is my attorney. In that letter, I never released his address, phone number, TX law license number. I never stated to cease to talk to me. Talk to my lawyer. AdAstria had no permission to contact or send any packages to my lawyer. 

My attorney called me XX/XX/XXXX and told me that AdAstria did get in contact with him to verify him as my lawyer. AdAstria had to find a XXXX ( my attorney ) to probe without my consent. That is violating my privacy and my attorney 's client relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i do not own this account anymore please remove it from XXXX, transunion and XXXX credit file immediately. My credit report at one point showed it as paid in full, but reverted back to {$2000.00} balance and this account is effecting my score. Please update account and delete.

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 2021-11-23
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Notice Of Cease & Desist Account # XXXX This is a notice to cease & desist. Jefferson Capital Systems LLC has violated my rights according to the Fair Credit Reporting Act, Section 604, Permissible purposes of consumer reports { 15 USC, 1681b }. You guys are practicing illegal debt collection practice. A debt collector is those who regularly seek to collect debts. I am the original creditor/consumer, in order for a consumer reporting agency to add anything that must get my permission to do so and i didnt give you guys permission. I define myself as a natural person and not a corporation therefore, I have the right to defend myself and tell you guys what to put on my consumer report and what not to. Also, 15 usc 1602 ( p ), I did not authorize you to get my information. I am demanding that you guys stop illegally reporting to all consumer reporting agencies and all forms of communication. Take this off of my consumer reports today. This is an alleged debt I am not paying anything. This is the first step of litigation. So if you don't honor this cease & desist and honor my demands I will pursue litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CCS Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I changed insurance companies to take effect on XX/XX/2021 which included a bundle option for my rent insurance. The agent ( XXXX XXXX ) said I was fully paid for until XX/XX/XXXX and I do not owe any money when I purchase my new vehicle and my new policy. I bought the plan weeks in advance and planned on just keeping my current policy instead of asking for a refund from XXXX insurance as I transitioned to XXXX. The policies I bought were a minimum of XXXX  days prior and the emails about canceling my policy was to cancel the ( snapshot ) option and to add a different rental policy. I still have all to now.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear TransUnion I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX Under the FCRA , I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's errors. 

XXXX XXXX XXXX XXXX Please run a full investigation on collection including the account name, account number and type of collection and delete this collection for it 's mistakes Because it does not match my records.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transactions by myself and I did not benefit from them. I sent Experian a written correspondence which included my proof of identity, an identity theft report, identification of such information and as statement as the law requires. They are required to block and delete these accounts within 4 business days or receiving my notice

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 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
We resubmitted a complaint because the issue that was previously deleted went back on my credit report. Please delete the judgement off of my credit report once and for all.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2016-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried for months to get Transition to remove XXXX inquiries listed on my credit file because they are not mine and/or I did not authorize. I have an identity theft file with FTC since last year. They refuse to remove them and my credit rating is being affected tremendously. Recently, I had them add a security freeze to my credit file to prevent any more unauthorized inquiries. I want these inquiries removed immediately. Please help 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 2016-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have resolved a credit issue and am in possession of the letter from the creditor to delete the record from my credit report. I tried to use TransUnion website to do this but it is fraught with technical problems and the process failed. I proceeded to call the telephone support number which is XXXX XXXX. These people registered the case but I am unable to supply supporting documentation ( the XXXX page letter ) because 1. the FAX number at TransUnion does not work, 2. they do not use email and 3. they request I use snail mail which will delay removal of the offending record. The process will take at least a month and many calls to TransUnion to resolve. This is effecting me very badly. Should not take so long. With lives in the balance these companies should be required to fix credit reports on demand, within 24 hours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I visited KeyBank 's physical branch location at XXXX XXXX XXXX, XXXX, OR XXXX in XX/XX/2017 to close my checking account with them. I met with XXXX XXXX, Branch Manager, who assured me my account would be closed. 

A week or so later, I received a cashier 's check from KeyBank, also from the same branch I visited, so I figured my account was formally closed, and I deposited the official check into my account at another institution via mobile deposit and considered it done. 

Despite the fact I was told by KeyBank 's employees, and I even received a cashier 's check for closing my account out, I have a negative mark on my XXXX XXXX XXXX report. 

Also : I'd like this made aware of to XXXX XXXX, " Vice President, '' " Senior Initiative Development Manager '' at KeyBank. I don't care for a response from her, but she needs to understand the malfeasance of her prior market.

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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
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  If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-03-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I XXXX XXXX XXXX returned merchandise bought at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, CA XXXX which the merchant issued me a receipt of refund of {$3500.00} going to my Coinbase debit XXXX card ending in XXXX. I have already spoken to XXXX XXXX multiple times and they confirmed that the refund went through with approval # XXXX. My Coinbase card has been deactivated since them and no longer have access to any of my funds there. I spoke to Coinbase multiple times and ensures me that no refund was issued and that my card is working. I need access to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
TransUnion has wrong date of birth. I try to dispute my " Personal Information '', on their website, the best I could : there was no way to specify, which specific info I was disputing. The " resolution '' of my dispute, just as I expected did not corrected my record. I call them. I was told that I have to submit this " correction '' in writing and provide XXXX documents verifying my correct DOB. I asked how did TU obtained DOB on their record. I was told it came as a report from one of my creditors. I ask which of my creditors provided TU with that date. I was refused. I discontinue conversation. On the previous reports from TU my DOB was correct. On reports from XXXX other agencies, my DOB is correct. These fact lead me to believe that TU is at fault. They concocted this falls data, and now refuse to correct my record. I am urging you to use your power to severely punish TU and make them correct my record.

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 2017-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion has a WRONG negative mark - from an XXXX. 

I never paid my XXXX late, Transunion communicates very poorly and is not fixing their error my credit report. 

Very disappointed 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