BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I contacted XXXX that I noticed XXXX ACH withdrawals from my checking account. Both from XXXX. The first for - {$1100.00}. XXXX XXXX XXXX. The XXXX was - {$430.00}. An additional payment. I contacted both the merchant ( Lendumo ) and XXXX. Can we resolve this additional payment. Lendumos response was sorry. We cant offer to refund- {$430.00}. Since the loan was payed off. XXXX told me they will investigate the matter and contact the merchant. With a conditional credit of- {$430.00}. To my checking account. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit scores are affected by the inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit status, but I have taken steps to correct prior credit issues. The inaccuracies make it difficult to obtain new credit. Please help me resolve this matter.

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 2023-07-17
Company: Meridian Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am writing to formally complain against Meridian Financial Services for ignoring my repeated attempts to dispute a debt. 

On XX/XX/2004, we entered a timeshare contract with XXXX. Due to unforeseen circumstances, we could not maintain the financial obligations tied to this contract. As such, we started the process of canceling my membership with XXXX. 

During this period, the debt associated with my timeshare was passed onto Meridian Financial Services. Since then, we have made numerous written attempts to communicate with Meridian Financial Services to dispute the debt. Regrettably, all these attempts have been ignored by the company. 

The debt needs to be returned to XXXX, the original creditor, so I can continue the cancellation process. The lack of response and cooperation from Meridian Financial Services has created unnecessary complications and stress. 

We have been mistreated, and my rights as a consumer have been violated. This unresponsiveness is unprofessional and impedes my ability to resolve the situation. 

We request the intervention of the Consumer Financial Protection Bureau in this matter. With your assistance, we can rectify this situation and ensure that the debt is returned to XXXX so we can continue with the cancellation process. 

Thank you in advance for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX Unverified Account On XX/XX/2022 the following was mailed to all credit beaus FCRA 623 ( a ) ( 7 ) Negative Information Police Report ID Theft Affidavit

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 2022-12-29
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
Jefferson Capital System XXXX XXXX {$2300.00} Shows this account was opened in XXXX of XXXX  and that is incorrect this account is old and dated back to XXXX. The amount is also incorrect. I have disputed this with XXXX as well as Jefferson Capital and no action is being taken. This should no longer be on my credit account. I at XXXX point got a response that information was correct I has submitted but was never removed from my credit report. 

XXXX XXXX XXXX Bank XXXX {$460.00} This account also has in correct dates and is too old to be on my account I have filed several disputes with nothing being done nor even a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account number # XXXX Southwest Credit System XX/XX/2023 Certified Mail XX/XX/2023 This debt was settle as agreed by the letter I mail to them Certified Mail that upon acceptance of the said debt that it would be removed upon acceptance of payment agreed upon All three credit bureaus being XXXX, XXXX, XXXX would be removed upon agreement and acceptance of upon agreement There has been poor communication and tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I asked in writing for validation of debt & rights to collect on debt in Georgia, Ive also advise company I didnt give them permission to report any information or my consumer report. I requested dispute information, company has failed to validate debt within the allot amount of time. Collection company has ran my credit illegally, updates debt in an erroneous manner. Do so wish to file a formal complaint on debt collect company. Ive ask company to cease & desist on fraudulent information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. 

I don't understand that you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received 2 emails from my bank ( Chase ) on XX/XX/XXXX indicating that I was sent to payments from my business account ( XXXX XXXX ) via XXXX for the amounts of {$1900.00} & {$2900.00} ( see attachments ). When I checked my account it appeared that money was sent from myself, but the fraudster changed the receiving account to a different email. I assume they got access to my account and changed the email so it would look like the money was being sent to myself rather to them. After numerous phone calls and bank visits Chase has told me that since the XXXX payment was sent to " myself '' that they can't do anything about it. Although that the records shows the money going to a different name and email than mine. This has cost me over {$5000.00} and more time and energy than I would have liked to spend. I've exhausted all of my options and am looking for some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
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:
This is my third 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 XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  Balance XXXX {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$590.00}

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 explanation
Consumer complaint received 2020-11-12
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My identity was stolen around XX/XX/XXXX, and the thief ( in XXXX Oregon, a place I have never been ) opened an American Express account in my name. He made some payments on it, then defaulted and disappeared in XXXX. As soon as my wife and I found out about the fraud on XX/XX/XXXX, we filed a police report ( XXXX Police # XXXX ), filed with the FTC, and contacted credit monitoring companies ; all involved parties confirmed that this was fraud and I was not responsible. But American Express has continued to deny this because payment was once made by the thief from a XXXX XXXX XXXX XXXX  account - we have no such account! 
We have tried to get American Express to recognize this since XX/XX/XXXX, and have sent them all the relevant material and proofs they requested, but they have ignored and refused it all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
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:
required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX 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 2023-07-08
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$280.00}, XXXX XXXXXXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XXXX : {$150.00}

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 2022-05-03
Company: EQUIFAX, INC.
State: NV
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:
Credit reporting agencies are reporting wrong personal informations to lenders. 
I need all wrong personal information that are not min to be removed now. 
I have been a victim of fraud and identity theft and I want only my true information to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear Credit bureau and representative of consumer financial protection bureau, I am submitting this complaint because my consumer rights have been violating for 3 years, since the XXXX and TransUnion showing the information that completely doesn't belong to me. I tried to talk to XXXX, but this company doesn't even allow to dispute the information. Their agents just tell they don't know how to help and that I need to dispute this information directly with bureaus, but once I submit a dispute with bureaus they verify that this account is mine. BUT I NEVER OWN ANYTHING TO XXXX. I submitted the FTC report, but no results. I got a mortgage with high interest rate, because of this account and I still struggle because of the fraudulent account, I have no idea where it came from. I request a deletion of this account as soon as possible. Otherwise I will reach XXXX with attorneys and request financial compensation, since I am having a lot of losses on my business as well.

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 2023-07-17
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
BSI Financial Services foreclosed and sold our house at auction, while we were in a lawsuit against the builder because of a mold problem in the home. BSI sold the house and now the new owners are selling the house and neither of them are disclosing that the house has mold issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I opened my loan in XX/XX/XXXX with XXXX. I paid it off around XX/XX/XXXX. My account has vanished on my report. I paid every month on time for over 4 years and it isnt showing at 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 2023-07-17
Company: Torriere Holdings INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX SRS has contacted me and my family members by phone and text often before XXXX XXXX and has refused to cease communication by phone. They have made contact more than 3 times per day. I have never done business with this company and do not owe them a debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Credit reporting agencies are reporting wrong personal informations to lenders. 
I need all wrong personal information that are not min to be removed now. 
I have been a victim of fraud and identity theft and I want only my true information to be reported.

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, US DEPT ED, US DEPT ED, XXXX, XXXX,  XXXX XXXX XXXX XXXX XXXX XXXX, Company Inquiries 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 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 explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 2020-05-20
Company: U.S. BANCORP
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:
XX/XX/2020 charged {$29.00} late fee after a representative advised me the company was not charging late fees during the Covid-19 Pandemic. They were also aware I lost my job due to the Covid-19 Pandemic.

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 2022-05-03
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted several times by a " CBE Group '' but did not answer because I did not know who was calling and no voicemail was left. I eventually answered the phone call and found out it was a debt collect, I then asked them to tell me what debt it was, who I originally owed it to, the amount, the account number, and to send me an itemized bill stating why I owed that amount. I also asked that they no longer called me and would only contact me in writing. They stopped calling and sent a letter. I received the letter and it was dated as the XXXX of XXXX and it did not show an itemized bill on why I owed the debt, but only a statement saying an amount that I owed, which was a lower amount then what they are claiming I owe. I then hired XXXX XXXX to help me verify the debt. They are continuing to call me AGAIN everyday at a late hour ( XXXX ) since the XXXX of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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 Reporting Act XXXX  Account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation