BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This loan was traded in and I was taken off the old loan and it still shows as an open loan but it is closed.

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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX US SM BUS ADMIN ODA Inquiries XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX. showing on my credit report. I, therefore, request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am submitting this complaint in regards to the inaccurate and unknown things on my credit report. I was never late on these accounts. There are multiple errors shown in my report. Please check the date reported, date of last payment, etc. These are a good standing accounts. Please verify that all information are 100 percent true, accurate, correct, and not unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$43000.00}.

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 2017-08-16
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a robocall from phone number ( XXXX ) XXXX looking for " XXXX '' and said to call ( XXXX ) XXXX to " find a voluntary resolution since the client has given authorization to rescind the process ''. The message went on to say " settlement options go down to 75 % you may pay online at www.directrecoveryservices.com ''. I called the original number and an XXXX XXXX asked for my name and claimed I took a pay day loan from a company I never heard of ( XXXX XXXX XXXX ) back in 2013 and asked what my intentions are. I told them to send me the information to my mailing address per the Fair Debt Collections Practices Act as I do not recall such loan. XXXX XXXX said " You 're was stalling '' and said they could send it to my email. I said the law states within 5 days of today 's date verification of the debt should be mailed at my home address. XXXX XXXX got flustered, apparently unaware of the law. She then stated " You 're stalling, it 's on your credit report '' several times and said " we have had your account in our office for a long time '' and hung up on me. I called back and then a XXXX XXXX answered and tried to verify my personal information. I told her repeatedly that I do not give my information to people I do n't know. XXXX XXXX claims she needs to verify my personal information per California law. I said I 'm recording this conversation and said that it 's funny, they 're not following Federal law. I notified her I would be reporting them and not to call me back or I will report them further to the FBI. I 've attached a picture of my voicemail proving they called and I also have the recorded conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: FL
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 has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX US SM BUS ADMIN ODA Inquiries XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX. showing on my credit report. I, therefore, request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I was without phone access during a XXXX XX/XX/2016 and missed a credit card payment through TD Bank. I set up an automatic payment but it never went through. When I returned, I fixed the situation by calling card services and they waived my interest fee and my late fee. Since, on my credit report it still says that I have missed payments which I had waived. I have called card services to try and get everything taken care of and they are not helping to get this removed off my credit report. Also, TD card services sent me a letter in the mail lowering my credit from XXXX to XXXX because I used my card too often. The reason I used my card to often is because in XX/XX/XXXX I had some identity theft on my debit card and live no where near a branch office to get a new one so the advisor told me to use my credit card that I paid off just as it were a debit card. I have kept up with this card making double payments repeatedly and this is severely effecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank received a levy from State Attorney Generals Office. Chase placed a hold on funds in my checking account for double the levy amount. Chase also issued a fee of {$75.00} for this process. Is this legal? Why is my bank able to freeze money beyond the levy amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed a lien with Transunion for the amount of XXXX the lien has been paid off and I received a lien release and forward it by fax to Transunion . Transunion updated the lien as paid but did n't erase it from my credit. I was told by XXXX who placed the lien it would be removed from my credit. I told Transunion the same thing and they still wont delete it.

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 2019-12-21
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Purchased 2 XXXX XXXX prepaid cards that was not activated with the funds that paid to reload I paid XXXX on one card and XXXX on the other in which I have receipts for on the receipts it shows that the money was activated to a American Exspress card just not the cards I purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Experian Information Solutions Inc.
State: TX
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:
i have been disputing this entry from   XXXX   XXXX   several times and the  XXXX  bureaus keeping saying that after their investigation they show thin information is correct

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 2022-07-23
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Truist bank has illegally processed a draft from my personal checking account at an external institution for the full statement balance. This draft was unauthorized and I called multiple truist representatives over several weeks prior to the payment date and was assured the draft would not occur. This unauthorized draft will result in an overdraft of my account at the external institution. Truist is liable for any damages or fees that have or may be incurred by their unauthorized activity. Truist has acted at best with incompetence and at worst to illegally defraud myself and my other financial institution. Immediate investigation and restitution is expected. Further, I've have several times attempted to redeem my cash rewards from this same personal truist credit card. The order has been canceled every time and truist representatives either could not offer an explanation, or suggested that I could not redeem the rewards into my savings or checking account because I was a former SunTrust customer. If true, this was never disclosed and again should be investigated to determine if Truist is actively defrauding customers like myself.

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 2017-01-25
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I switched over my loans to Naviant, it being involved w/ the Department of Education I thought it was safe. I am now getting charged a much higher interest rate than what it is supposed to be at this present day. I was told that I am paying the interest rate of what it was at the time I got my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: TX
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 recently submitted a request for an investigation of the disputed accounts, which CREDIT BUREAUS claimed was verified. Since I believed they didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Experian, XXXX and XXXX records show that it was incorrect. Since their investigation was done improperly, I need CORRECTION of the following accounts from my file in line Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) of FCRA XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$14000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$4900.00}

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 2015-12-09
Company: STERLING JEWELERS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kay Jewlers or " sterling Jewlers '' would call me 15-20 times DAILY. They called my wife/sibling/and even my aunt and have no idea how they got their numbers. They would ask my family me XXXX person information about me in which none would disclose. They would call from XXXX different numbers so I would never have any idea who was calling. The repeated calls would only lead to XXXX XXXX voicemails a day. This was extremely embarrassing in the workplace as my phone would constantly ring during meetings. I requested them to not call anymore and to just email/mail. This did not work. Each time the person would state they are from the home office of Kay Jewlers ... But had phone numbers from various parts of the country. I never knew if it was a scam or not. The individuals who called claimed I only had weeks to make it right or serous consequences would happen to me financially. This scared me as I could easily lose my job if this were to happen. I was forced to surrender my belongings out of fear of this which amount to {$1600.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: TX
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:
Again, I was a victim of identity theft and this is another request to block the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the reciept. Ive already included this report in my previous complaint # XXXX and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please delete the following items from my file : 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 Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXL ) XXXX Balance XXXX XXXX {$3400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$430.00} ; XXXX XXXX NA Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/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 2016-05-25
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2016 I deposited a check drawn on XXXX Bank, to Wells Fargo in Battleground, WA. 
I use Wells Fargo near my home in XXXX, WA. 
The branch in XXXX gave me a slip that says I could have XXXX of the XXXX in a couple of days, and the rest on the XXXX of XXXX. I told the person that wrote me the check about this and he showed me on his IPAD that the check had cleared his account on the XXXX. 
I called the XXXX branch yesterday and spoke with the manager XXXX, he said he would call Banner bank and see if it had cleared and if it had release my money. He never called me back. I called Wells Fargo customer service and they said they could no help, that the branch that issued the hold had to release it and got them on the phone a few minutes ago, I spoke with XXXX. She said that the issuer would have to show her his statement and she would then release the funds. 
Since the check has cleared, and Banner bank will not discuss the check with Wells Fargo, as I do n't bank with Banner, I have the money I need and earned sitting in Wells Fargo gaining interest for them. XXXX at Wells Fargo said she had no way at the branch that the funds were ready to release to my account. I find that hard to believe, anything you can do to help would be great. As a consumer my money should not be hijacked for 10 days, it 's stealing.

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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Again, I was a victim of identity theft and this is another request to block the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the reciept. Ive already included this report in my previous complaint # XXXX and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please delete the following items from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX XXXX {$3400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$430.00} ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/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 2022-07-23
Company: AmerAssist A/R Solutions, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX XXXX who informed me the debt was not theirs but XXXX. I informed them that I had paid on time prior to me sending back the product. Two years later this shows on my credit report. There is currently an open case with XXXX XXXX to find the product I sent back two years ago. I reached out to Amerassist to verify the debt but the line just rang.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They are unavailable. I emailed them twice at their online email address and both emails got bounced back to me. I was hold with them for an hour and 50 minutes between XXXX XXXX and XXXX : XXXX on XXXX/XXXX/2016. I have already paid the bill in full that they are tyring to collect and I was just trying to let them know that.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation