BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had stopped making payments and using my XXXX card back in XXXX. When I stopped paying my debt including interest was around {$1800.00} ( my max was {$2000.00} ) I had been on XXXX due to a bad XXXX XXXX  at work that required XXXX and then when I finally got a job in XXXX I was laid off wishing a few months due to Covid. In XXXX I received a letter from Mandarich Law Group stating their intent to sue me for a debt of {$2500.00} which was almost a {$1000.00} more than what they shut the card off at, but still kept charging late fees and interest. I sent them an email on XX/XX/XXXX informing them of the above information as well that I was currently unemployed due to covid but when I was employed I would be willing to make payments. I never received any contact, and they served the papers of the lawsuit to my sister-in-law with a different last name not to me and she did not give it to me for a few days. The papers stating the lawsuit had no court seal or anything showing that it was an official court document, and they did not have a state licensing bar number listed so I though it was a scam also it now showed over {$3000.00} balance due. Supposedly a judgment was delivered however when I logged onto the court website it states they sent about 10-15 documents none of which I received I did not hear anything from them again until they sent a letter ( the Mandarich Law Group ) that a judgment was received. Again no court seal or anything to prove an official government document or decision, no licensing bar number and the balance due now stated over {$3100.00} and since I had not heard from them for months I didnt believe it went to court. I asked for clarification on why the amount changed so drastically and they said it was due to interest still accusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
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 non-monetary relief
Consumer complaint received 2022-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
on XX/XX/2022 I extended my credit for an auto loan from bank of America on an application submitted by XXXX XXXX XXXX XXXX XXXX FL and I was denied. for weeks I have been in a depressed and very sad mind state in result of this denial to my family. we have no transportation to our children school or children school functions. i often feel embarrassed to be in this situation as a father. I recently received the denial letter in the mail from the bank, they informed me they denied me because of these principle things serious delinquency ; length of established accounts ; charge offs ; credit score ; This led me to doing some personal research on consumers laws, I found out bank of America is in violation of my right to extend credit. According to consumer law, 15usc1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.15 usc D ) ( 6 ) adverse action means a denial or revocation of credit, or a refusal to grant credit in substantially the amount. Also according to 15 usc 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is me XXXX XXXX in this instance. Bank of American is in violation with 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I received no benefit from this transaction in which bank of America has accessed my credit when i provided my information in my application for the loan. furthermore Bank of America on the back of the denial letter acknowledge the equal credit opportunity act which prohibits creditors from discriminating because the applicant has in good faith exercised my right under the consumer credit protection act. which is included in the attachments.

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 2022-09-29
Company: EQUIFAX, INC.
State: TN
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 - XXXX  I XXXX XXXX XXXX filed a complaint with you guys the CFPB about incorrect information on all three of my credit reports. I submitted documents showing numerous violations that are being reported and accounts that are duplicates. There are also accounts being reported by two different companies that are the same accounts. I have contacted these companies XXXX, XXXX, and Equifax about the situation, and have been ignored. Knowing you guys ( The CFPB ) are over these credit bureaus, I would like to know why you guys are and enforcing the Laws that were put in affect by the Federal Government? Under 15 USC 1681n ( a ) ( 1 ) ( A ) The law states any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I have sent numerous documents and pictures showing the violations and inaccuracies stated on my report. After calling numerous times and sending certified letters to these bureaus, Nothing has been done to correct the action or reimburse me for the damages caused by these bureaus. i have been denied credit, home mortgages, and car loan due to my credit. I request that the CFPB holds these credit bureaus accountable for their misleading actions against me. I have had to pay a higher interest rate on my credit cards as well. As a XXXX veteran I have yet been unable to purchase a home for my wife and my XXXX son. All I ask if for you guys to do the right thing and for me to be treated fairly as a consumer. I have proceeded to contact my State Representative and my State Senator on this matter. On XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX called the CFPB to disguise the situation i am facing with these credit bureaus, and the lady that I personally talked to told me there was nothing they could do for me and my situation because i was just XXXX consumer? She stated there has to be more than one consumer in order to show a pattern before the CFPB will get involved. In other word as an individual consumer my problems means nothing to the CFPB. I was astonished by the words this woman said to me. I hope this is not the way the CFPB protects its consumers. As a consumer I have the right under federal and state law to be protected from such companies as these credit agencies. I will continue to proceed with letters to my representatives and toward litigation if nothing is done about my situation. All i ask is to be treated fairly like all consumers should be. Thanks again for your time and i hoope to hear back from you guys about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 ( Capital One ) has violated my rights, 2017. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: WI
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:
I went to the car dealership and they advised me that they were not going to run a hard pull on my credit and in turn, they ran multiple hard inquiries without my consent.

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 2022-09-29
Company: I.C. System, Inc.
State: MD
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:
Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved.

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 2022-04-28
Company: FREEDOM FINANCIAL NETWORK
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
At Freedom from Debt Relief program, currently there is {$5900.00} in my dedicated account to pay off a settled debt of {$5900.00} which will leave a balance of {$61.00} due to be debited from my checking account XX/XX/2022. My account with them will have the exact amount through which the balance of {$5900.00} can be paid. They are refusing to pay off the debt with the available funds and are looking to debit more funds from my checking account. Friday XX/XX/2022 is the last payment in which {$61.00} will be debited from my account because that will be final amount owed to the settled debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CCS Financial Services, Inc.
State: MD
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:
Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Finance of America Holdings LLC
State: LA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Finance of American Reverse ( FAR ) have been holding my insurance proceeds for devastated home repairs for over a year whereas my home had to be gutted to the extent of no walls, no ceilings, no floors from rain water damages. My family and I are still residing at hotel while I have to use my own personal money and loans to get as much repairs done from limited funds. I previously filed a complaint for this same issue involving the same processor ( XXXX XXXX ) at FAR Loss Draft Dept. who is very negligent in processing funds and appears to be stealing funds for keep. The supervisor previously had to overnight some of my reimbursement of approx {$7800.00} after my complaint in XX/XX/2021 to CFPB. As of date no more funds has been released. I have sent in numerous paid receipts and have not yet not only received reimbursement of my personal funds but no money for emergency repairs. I have lost many contractors for FAR 's neglect to release insurance claim funds. I have called to inquire and I am either hunged up on when connected to processor XXXX or given a message from her that she will call me back but she never does.. My home is in serious need of repairs and I do not understand why these people are refusing release other than civil rights violation, retaliation or they are stealing. I am exhausted from begging and pleading for my own funds to be released. I have received another insurance check which I can not endorsed to them as they requested because the funds are not being release I have requested FAR to endorsed back to me so I can get emergency repairs completed. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Conduent Incorporated
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I got my way to go cars in the mail I keep calling them but its asking for a pin I never made a pin for the car but it wont work so I cant talk to anyone but a robot

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 {$990.00} was sent to an unauthorized user named XXXX XXXX. I was hacked and my money was stolen. My aunt sent me {$25.00} and instead of it being deposited to my bank it would go towards paying for the negative balance I have over an unauthorized transaction. I filed a police report at the XXXX XXXX and have the case # but hasnt begun because cashapp told me to in order to begin an investigation and havent heard of it for over 3 months now. This fraud happened in XXXX of 2022 and we are now in XX/XX/2022. My legal name was changed to XXXX XXXX and Im unable to speak to Cash-app representatives over the phone for security purposes. Reached out several times to cash-app support chat and still havent received a response. This ongoing investigation was supposed to be resolved by now and havent received a resolution. My privacy rights have been violated and my identity has been misused or mistolen by a different name that is not me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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:
I have fraudulent inquiries on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: JPMORGAN CHASE & CO.
State: AL
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:
XX/XX/XXXX there were 3 credit inquiries on my credit report that I did not authorize Bank XXXX XXXX XXXX XXXX JP Morgan Chase A new credit card application was denied by Chase ( XXXX XXXX XXXX ) I did not try to open this new account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-29
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been having continued issue with Cashapp since XX/XX/2022. First, on the date of XX/XX/XXXX or XXXX money was missing from my account. There was absolutely no explanation or purchase which resulted in approximately $ XXXX {$89.00} dollars missing. For XXXX weeks I fought this with them and they never helped and I never saw my money again. I provided them with info, screenshots, with everything to prove what was happening and they did nothing. Second on XXXX XXXX I had an unauthorized charge from XXXX on my cashapp card for the amount of {$16.00}. Ive been disputing this for 2 weeks and I get a denial email everyday. I dont know what information they use to come to the conclusion that it was not a fraudulent charge. Then I got a charge from XXXX for {$14.00}. Again no purchase no subscription. Ive contacted the merchants and XXXX cant even find a proof of purchase of any order because nothing was bought. XXXX also expressed concerns about why cashapp is constantly allowing their clients to get robbed. I know that its small amounts but its not about the money. I mean right now the amounts are small but how far will cashapp take this. Theyre not protecting their clients and they definitely dont give us the support we need.

Company response to consumer: Closed with explanation