BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-10
Company: Mandarich Law Group, LLP
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have overpaid to Mandarich Law Group , LLP ( hereinafter " MLG '' ) for benefit to their client XXXX XXXX XXXX ( " XXXX '' ) {$1000.00}. I have been repeatedly assured by representatives from MLG and from XXXX that the overpayment which was received from my employer in the form of wage garnishments that the companies executed, then failed to stop upon receipt of payment in full, would be or have been returned to me. The most recent response from MLG through the CFPB states that a refund in the amount of {$560.00} was sent to me along with a letter confirming that the judgment was satisfied on XX/XX/2018. As of this date ( XX/XX/2018 ) I have not received any satisfaction letter nor any refunded amounts from either MLG or XXXX. I have contacted 'XXXX XXXX ' at MLG via phone on XX/XX/2018 @ 1XXXX XXXX XXXX and was told that the refunds had not been sent and that the MLG accounting department would be contacted to follow up on the issue. I was also told that the additional {$480.00} which was garnished and sent to MLG from my employer on XX/XX/2018 could not be located and I was asked to follow up with my employers payroll company for assistance in locating the funds. Both MLG and XXXX submitted responses to my CFPB complaint dated XX/XX/2019 that this matter was either resolved or in the process of resolution. As of XX/XX/2018 that is not the case.

I would like both companies to provide proof of every correspondence regarding this matter that has been sent to me as well as copies of the checks that have been received on this account and refund checks that have been allegedly sent to me on XX/XX/2018. As of this complaint, XXXX through it's representative MLG, owes me the total overpayment amount of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: MS
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:
On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 2021-07-19
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
US Bank offered a forebearance program during the pandemic. They told us after the pandemic we would be able to tack the payments onto the loan or modify the loan. Now they have told us they can not modify the loan due to our credit. They told us we are no longer protected from foreclosure. We have sent an appeal letter and notified the VA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BARCLAYS BANK DELAWARE
State: NC
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:
Billing Disputes XXXX XXXX XXXX XXXX, DE XXXX Re : My AAdvantage Aviator Red World Elite XXXX credit card account ending in XXXX Case ID : XXXX Dear Sir or XXXX : Several weeks ago, I disputed three charges on my account from XXXX for {$120.00}, for {$55.00}, and for {$55.00}. 

Your dispute department first attempted to convince me that I should not bother disputing these charges with you, but instead should work on my own to address these unauthorized transactions with XXXX because the dispute process takes months. I insisted on disputing the charges with your team, after which the group reluctantly took a record of these disputes. 

Now I have received a letter stating that you require additional information, and when I called the number listed in your letter to provide it, the representative informed me that my claim is closed because I was not able to pick up two telephone calls from unknown numbers on XX/XX/23 and XX/XX/23. She stated that the only way my claim will be reopened is if I send a signed and dated letter stating that I did not receive any merchandise in connection with these transactions. She would not accept my personal statement to that effect. 

Let it be known : I did not receive any merchandise in connection with the above-referenced transactions, as I stated ( in a recorded call ) the very first time I filed these disputes. 

You can confirm the validity of this representation by the documentation Target provided to you in connection with the dispute, which clearly shows that this merchandise was ordered ( using my credit card ) by XXXX XXXX, of XXXX, who resides at XXXX XXXX XXXX, XXXX, NC XXXX. Again, you can find this information in your own records for the dispute I filed, as you have now mailed me copies of these same records clearly substantiating that I did not order nor receive these goods. 

Based on my experience with this claim, I must conclude that Barclays desires to dissuade cardholders from proceeding with even valid charge disputes, as this is by far the most difficult time I have ever had disputing a charge. Moreover, for you to hold records in your possession demonstrating that the charge is fraudulent and still refusing to refund the money unless I jump through various hoops mandates a careful review of your processes to avoid consumer abuse. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau Delaware Attorney General, Consumer Division

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 2023-10-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-08-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened BMO Harris Premium Rewards credit card on XX/XX/18. 
It was advertised that I was supposed to get XXXX points ( {$300.00} value ) after spending {$2500.00} within first 3 months. I have met that requirement, but never received this bonus. 
When I contacted the bank they closed my card for no reason and responded that I couldn't get bonus because my card was closed. I have not violated any rules and met the bonus requirement, so I consider their decision a violation of their advertisement. I suspect they closed my card simply to avoid the bonus payment.

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 2018-11-06
Company: EQUIFAX, INC.
State: GA
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 applied for a mortgage loan on XX/XX/2018, early in the loan process I received a credit file alert that a new account ( XXXX Business credit card ) was reporting in my personal credit file of all three bureaus. I contacted XXXX disputing the reporting of a business account on my personal consumer report, they refused to delete it from my personal credit file. XXXX is unable to produce a consumer credit card agreement that I have acknowledged or signed that stated that they can legally report a business account on my personal credit report. Please note that the business credit card had been open a year and never reported to my personal credit file.I subsequently opened disputes with XXXX, Equifax and XXXX on XX/XX/XXXX and again on XX/XX/XXXX and XX/XX/2018. My disputes each state that XXXX is reporting the account as an " individual account '' erroneously as it is a business account and should be deleted. I provided a letter from XXXX of which it is clearly addressed with Company name. XXXX, Equifax and XXXX each stated after two investigations, XXXX has confirmed that their reporting is accurate. XXXX 's reporting is illegal and I need this blatant erroneous reporting of this account deleted from my credit file with XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

personal information iis incorrect and soes not not bwlong on my credit report names : XXXX XXXX ( incorrect ), XXXX XXXX XXXX ( incorrect ) only correct name is XXXX XXXX XXXX addresses : XXXX XXXX XXXX XXXX, MA XXXX ( incorrect ), 1942 XXXX XXXXXXXX XXXX XXXX XXXX XXXXL XXXX XXXX incorrect ), XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX incorrect XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( incorrect ), XXXX XXXX XXXX XXXX XXXX, FL XXXX ( incorrect ) all rhwae addressea arw bit mune and dobt vwlong or have nwvwr belonged to me.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX from XXXX XXXX, IL do swear that I am indeed writing & submitting this CFPB complaint by myself on my own behalf. Now I have submitted 4 disputes to TransUnion to have inaccurate items removed from my credit report as well as some unknown things I don't recognize. Now I am filing a complaint with you all ( CFPB ). My last dispute I mailed in was XXXX of XX/XX/2021 and the XXXX dispute XX/XX/XXXX. I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic being a XXXX female and ignoring my request. I feel as though I am being taken advantage of at this point. I am a well educated XXXX woman with her PhD. Now I am demanding that these accounts and items not only be deleted from my TransUnion credit report, but I AM demanding that these accounts/items be deleted immediately or I will be filing for litigation because I know my rights. The insane amount of stress this is causing me is unbelievable. Now my personal information was also apart of that XXXX Data Breach that occurred. I shouldn't be penalized for their mistake. I believe my information may have gotten into the wrong hands.

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 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX a XXXX XXXX XXXX was released to XXXX XXXX XXXX ( my son ) with the co-sign of XXXX XXXX XXXX. On XX/XX/XXXX the date of repossession was implemented. No opportunity to get the vehicle back was given. No reduction of balance was given after new resale of vehicle. Have asked for reduction of balance due to re-sale no agreement was given. {$13000.00} is the remaining balance.

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 2020-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I'm physically XXXX and on fixed income. I'm unable to get safe housing because Bank of America continues to report a closed account to XXXX and XXXX. My life involves inhaling second-hand XXXX 24/7. The only way I get sleep is by going to a park in my car. There I am harassed and legally threatened by police. I am trying to build equity and live a good life raising a family, but can not do so until bank of America stops reporting on this account.

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 2022-02-03
Company: EQUIFAX, 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:
On XX/XX/2021 I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 45 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the distress caused to me. I have repeatedly tried resolving this issue and I have already filed an FTC report as well as attached my Identity theft Affidavit as well. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputing the following account with Transunion : XXXX XXXX # XXXX & XXXX XXXX # XXXX. 
This consumer agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore the following accounts must be deleted from my consumer report. Failure to respond satisfactorily with deletion of the above-referenced accounts and a free copy of my consumer report after the changes have been made will result in the above actions being taken against Transunion. I will also be seeking {$1000.00} per violation for 1. defarmation, 2. Negligent & Enablement of Identity Fraud, & 3. Violation of 15 USC 1692g.

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 2023-09-27
Company: AMERICAN HONDA FINANCE CORP
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 AHFC. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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:
On XX/XX/2021 I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 45 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the distress caused to me. I have repeatedly tried resolving this issue and I have already filed an FTC report as well as attached my Identity theft Affidavit as well. 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