BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Gifted a 1995 XXXX XXXX to my nephew, XXXX XXXX, XX/XX/XXXX and signed a bill of sale, as well as submitted a release of liability to XXXX, CA DMV following. XX/XX/XXXX XXXX XXXX sold the vehicle to XXXX XXXX, drivers license number XXXX, address of XXXX XXXX XXXX, XXXX, CA XXXX, telephone number XXXX and received a signed bill of sale. XX/XX/XXXX, I, XXXX XXXX, received a notice dated XX/XX/XXXX from Lien Enforcement Inc, Specialized collection service, creditor XXXX XXXX  XXXX, reference number XXXX addressed to myself with a total due of {$1900.00} and stating the debt will be reported as mine to the credit bureau within 30 days. 2 legal owners have had the vehicle since I last drove in XX/XX/XXXX or had possession of early XX/XX/XXXX and this company is attempting to fraudulently hold me liable for the 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 2021-12-02
Company: JPMORGAN CHASE & CO.
State: CA
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/2021 at XXXX am and also at XXXX am I received a text message on my phone that there were XXXX payment transaction pending on my Chase account through XXXX ; first payment was {$1000.00} and second payment {$800.00}. I realized that those were payments not authorized by me. To my account no one had access at any given time and also at the time of those payments were being made, I was alone at home. Around XXXX am I changed the password to my Chase banking account on my computer and at the same I tried to reach the Chase online customer service to stop those XXXX unauthorized payments. I was on hold for XXXX minutes, there was no live response from bank site. I tried to call XXXX more time at XXXX : XXXX am while I was on my way to Chase bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Before XXXX am, I was in the bank and Relationship Banker XXXX XXXX XXXX XXXX identified my personal ID and checked the account and told me that those XXXX unauthorized payments are pending. I asked her to block those XXXX unauthorized payments. She called the claim service and they turned off the online access to my Chase account. The Chase bank did not block those XXXX unauthorized payments which were still pending. I was told that the claim was submitted and the bank will refund the money for me. After XXXX months of waiting and not receiving any letter confirmation from Chase bank about my claim results, I called the online customer service and was told that my claim was denied. Chase bank told me that those XXXX unauthorized by me payments were send from my device, what is impossible. 
I reopened the claim, current claim # XXXX, I also contact local police - XXXX  XXXX XXXX police report # XXXX. I also reported the scam to FBI. 
On XXXX of the unauthorized payment was made to the person named XXXX XXXX with phone number XXXX, second payment was made to the person named XXXX XXXX with email XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 three different occasions ( see attachments ), I sent a dispute letter to TransUnion disputing an unknown and unverified XXXX XXXX account that they are reporting on my consumer file. I requested that they provide me with a copy of the original contract with my name on it pursuant to section 609 ( a ) ( 1 ) ( A ) of the FCRA. In their response to each dispute, they stated that they verified the account and that it belongs to me. 

They never provided the physical verification of a consumer contract with my name on it. I contacted the said original creditor to obtain these documents directly and they stated to me that they couldnt provide me with these documents ( original contract ) because that information wasnt retained when it was sent/sold to the collection agency. How did TransUnion verify this account? 

They never performed a proper independent investigation. I formally requested a copy of the original contract with my signature on it for the following reasons : - Unknown Account : The above account is unknown to me and I need that original contract ( which XXXX XXXX can not or will not provide me ) to help clear my name with my future proceedings. 

- Unverified Account : This unknown account can NO WAY be verified that it belongs to me or that I personally opened this account. I need a copy of the original contract with my signature on it to prove the inaccuracies and prove that they are reporting an account on my consumer file that is inaccurate and TRULY unverified against me and vice versa. 

After several attempts to clear my name, this account remains on my credit report in violation of the FCRA.

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 2020-02-10
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: Information belongs to someone else

Complaint:
credit reporting agency XXXX continue to refuse removing invalid items from my credit report even though i many times asked them to do so.

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 2020-02-10
Company: EQUIFAX, INC.
State: IN
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:
Equifax refuses to remove fraudulent ch XXXX bankruptcy docket # XXXX date filing XXXX and dismissed XXXX attorney XXXX XXXX XXXX. Documentation has been sent twice and disputes were started in XX/XX/2019. Court papers have been sent and they do not resolve anything. They still list the bankruptcy as being investigated and left on the credit report. 
I will attach the XXXX XXXX letter I received -- stating that my file is suppressed -- which was in XXXX. There is no way they could have verified this public record through any third party. 
The address in the bankruptcy doesn't even match any of my past addresses or records-which would not even comply with the Fair Credit Reporting Act. I will have to contact the Attorney General if this does not get removed I don't know what else to do at this point. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
LJ ROSS AND ASSOCIATES HAS USED MY PRIVATE INFORMATION TO CREATE A COMMERCIAL ACCOUNT FRAUDULENTLY LISTING MYSELF AS A DEBTOR TO THEIR ORGANIZATION. THEY HAVE INJURED MY CREDIT RATING BY PULLING MY CREDIT FILE IMPERMISSIBLY AND ARE GUILTY OF CONSUMER FRAUD AND IDENTITY THEFT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I placed a credit report freeze on my accounts with the three credit agencies some years ago. I am trying to refinance my home and need those freezes lifted. I have, of course, forgotten my PIN. XXXX   and XXXX XXXX were able to help with a phone call. I have tried working through Experian 's website to retrieve my PIN, only to be told in a computer-generated response that it does not recognize my social security number/birth date combination. I know I have entered them correctly, as I have entered them repeatedly over a period of days, starting on XXXX XXXX, 2020, and continuing through today, XXXX XXXX, 2020. I have also dialed at least four different consumer report numbers without being able to connect to a representative. I have spent six to eight hours on the phone using various phone trees and trying to find a way in. Today I did manage to get to a representative, who asked for my SSN, my birthdate, address, email address -- all of which I provided correctly. Then he asked for my PIN and I explained that what I have been trying to do is reset/retrieve my PIN. He then said he could ask security questions and, if I answered correctly, he could help me. A moment later, he said his computer system was unable to generate security questions XXXX which he was unable to explain ) and said they could send me a new PIN in 10 to 15 days. I am trying to lock in an interest rate on a refinance, and that rate seems likely to rise over the next two weeks, which means that this will cost me thousands of dollars over the life of my loan. 
As I was searching my computer for my PIN, I came across notes I had taken two years ago, when we purchased our current home. We went through exactly the same problem then as now, and only with Experian. That time, they also had the option of uploading documents to their website, a process that I tried repeatedly and without success. To be honest, I don't even remember how I resolved it at that time. 
Finally, one of the things they insist that I put in the mail to them is a copy of my Social Security card. My understanding is that you should never put your SSN in the mail. And at this point, I have no confidence whatsoever that they will be able to protect my information, or even store it correctly. 
It doesn't take much XXXX to see that this is a common problem with Experian and that it has been going on for years. Someone needs to step in and make this company, which is vital to so many people 's lives, do their jobs with some minimum level of competency.

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 2020-02-10
Company: CITIBANK, N.A.
State: IL
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:
XXXX XXXX dba CEO of Citi Bank obtained and used affiant 's credit report for purposes that aren't allowed by law- FCRA and FDCPA permissible purpose. Hard inquiry, and Illinois State Constitution right to contract and privacy. Parties to this matter not permitted by law are XXXX XXXX dba CEO of XXXX   and XXXX XXXX dba CEO of XXXX Several attempts to mitigate this issue and have this hard inquiry removed is to no avail.

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 2019-01-22
Company: National Credit Services, Inc.
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was forced out of forbearance by XXXX XXXX in XX/XX/XXXX ; at this time NCS contacted me about debt and I started the rehab program and completed my 9 months of payments and around the end of the 9 month I didnt have a job but they were calling me everyday because they wanted to add a card to the account. I was unemployed and borrowing from relatives to make my last few payments. XX/XX/XXXX is when I contacted them for a missed payment, made a payment and was advised that ; that was my 9th payment and I was now in my transfer period. All correspondents stopped while in my transfer period they did not mail me any statements saying my payments were due for the transfer period. Up until this time I was mailed a billing statement every month telling me my payments were due. When I contacted NCS they said it is not mandatory for them to send the notice!? Now I'm in a TOP that I cant get out of!! This should be against the law!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: Glennon Law Firm, LLC
State: KY
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:
This account was dismissed with prejudice. Who is going to fixmy credit score? I would like to receive costs for at attorney and defomation and punitive damages etc. Why are there 2 case numbers to the same case? I did not even know about this account. But it does look like XXXX XXXX accepted a payment after they closed the account already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Westlake Services, LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a repo back in 2013 and they are still reporting this on my credit. I don't think it fair due that they have the vehicle back. They threatened me about suing constantly calling and etc. I feel like this is very unprofessional and uncalled for. It has hindered me from getting me things like buying my house and other things I am trying to accomplish for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I submitted a {$200.00} gift card to be sold on the XXXX XXXXwith the confirmation email indicating I should receive payment within 1-3 business days. After two weeks of hearing nothing, I reached out to XXXX  supportwhich is limited to an email account. That email went unresponded to, so I attempted to call Blackhawk, its parent company, and was put directly through to voicemail despite it being business hours. When I left a voicemail, I additionally received no response. After browsing public reviews left by countless others both on sites such as XXXX as well as directly with the XXXX, I am concerned this company is committing fraud against the public and operating on a license that should be reviewed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-10
Company: AMERICAN EXPRESS COMPANY
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:
I opened an account with American Express and was not given enough time to dispute the derogatory account. Within 2 weeks I was told that my account was going to collections and this affected me negatively for a number of years.

One of the collectors called me and told me that I was going to be able to re open the account and bring my account back to good standing. After taking this offer into consideration, later when I called I was told there was no such deal. I was then asked to pay a portion of the amount and that they would not report to the credit agency as a settlement but it was, which that was not the agreement. 

I then tried to contact the company to find a better resolve and was told there was nothing that could be done on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Global Trust Management LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I had a call from XXXX, from global trust management. From the start of the call she threatened me and told me that I was intentionally committing fraud and I was purposely not paying. She didnt verify me at all, so I dont even know if this is a legitimate company. Once I challenged her on her threatening behavior she transferred me to her manager so I can explain to him why Im purposely committing fraud. The manager,  XXXX XXXX, was nice at first, but when I asked for him to call back after work hours, he also became aggressive and harassing. I felt very threatened by both of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: TOWNE MORTGAGE, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I started my home buying process in XX/XX/2019. I was promised by a Senior mortgage lender specialist at XXXX XXXX, a Division of XXXX XXXX XXXX, XXXX, that I qualified for two  grants in the state of MD and that it would be an FHA loan. I sent all the necessary documents that was required from the rep and even met with her and my realtor in person to ensure everyone was on the same page. Mid XX/XX/2019, I had questions regarding the amount of grant money I was receiving and found out that I was only receiving one grant which was not previously discussed but that I was still approved. At this point, I was informed my interest rate was locked in, what my monthly payment would be and cash to close. 7 days before my closing date of XX/XX/2019, I was informed that I no longer qualified for FHA and that I had to go conventional ; my interest rate went up .5 % and my monthly payment was going to be {$200.00} more than what was promised, my loan was never processed correctly by the rep. I contacted the district manager and the reps direct supervisor to explain my concerns and frustration. I was moving in a week and did not have a definite answer on why I was already told my FHA loan was approved and why were payments and interest rates changing at the last minute. I had already begun saving the necessary money to close my FHA loan and was legally binded in a contract with the seller of my new home. I never got the answer but instead was promised by the two of them that they would fix my loan. Five days away from closing I was informed I had to take a {$100.00} certification class that teaches you about the entire home buying process which should have been the FIRST step not last. I had expressed my interest to my loan rep on the importance of me learning this information to become knowledgeable in the beginning and she informed me I had to sign up on my own, another time. I am now TWO days away from moving and closing and I still do not have an approval from this company because of their negligence. They have yet to inform me on what it is they are able to do as a company to make up for their mistakes. This company has FAILED me miserably! This is supposed to be the happiest time of my life and they took that experience away from me. This entire transaction is unethical to mislead clients and put them in a position to be forced to take a loan they were never informed of days before closing. I have been given Inaccurate information countless times and would never wish this experience on ANYONE! I do NOT recommend doing business with this company. I will never forget how painful and stressful this experience has been.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: IL
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:
Experian continues to report false information on my credit reports. In my initial CFPB Complaint # XXXX I expressed 2 grievances ( 1 ) Experian continues to report invalid medical accounts on my reports despite collection agency 's failure to provide validation. ( 2 ) I also brought to their attention that one of the account numbers were changed without my knowledge. Ultimately, Experian is reporting two invalid accounts. Experian responded in Complaint # XXXX " Upon researching, our records indicate that 1 of the disputed items is currently not displaying on your credit report. We are in the process of contacting the data furnisher ( s ) for the remaining item ( s ) to verify the accuracy of the information with which you disagree. Please note that a reinvestigation may take up to 30 days. '' Additionally, under Description of Non-Monetary Relief, Experian double downs on its false claim that " 1 of the disputed items does not appear in consumer 's report. '' Both invalid accounts still remain. Experian 's continuous violation of my rights as a consumer is illegal and unacceptable.

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 2019-01-22
Company: LDF Holdings, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I learned yesterday that this company is not licensed to operate in my state. Researching what to do about this, I found that WA residents are owed a refund on these loans past the principal amount. This company owes me {$840.00} in refunds after I have paid {$1600.00} on an {$850.00} loan. I revoked ACH authorization with both the company and my bank, and asked that they refund my money, pursuant to the law of the state they were doing business in. They have declined. I want my refund of these fees that I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage at two different companies submitting the same information Fico score income and was denied from one lender. From the FHA guidelines I should have been approved at both lenders. I called in order to see the denial reason and I as not given adequate information or explanation for denial. Wells Fargo denied my loan application and I feel it is a discriminatory practice. I want my application to be investigated further.

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