BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter that read " Final Notice '' from the company, Lien Enforcement , Inc., in the mail on XX/XX/2021. This was the first communication that I ever received from them. The letter said that they had made previous attempts to notify my of my debt of {$2300.00}, and that my account was unresolved and seriously past due. The letter threatened that if I did not contact them by XX/XX/2021, the company would refer my account to legal counsel for further collection efforts and take legal action if deemed necessary. The letter also mentioned that if I had an insurance policy for the vehicle, that I could consult them for help submitting a claim to them regarding this debt. The letter named the original creditor of the debt to be a towing company near me, where I had a vehicle towed two years prior. I had been in an accident, only had liability insurance, and ended up paying the towing company what I owed them for the tow and storage, and signed the title of the vehicle over to them. I called the tow company immediately to ask about it and they had no record of me owing them anything and in fact said that I was not even in their system because it happened so long ago. They told me not to worry about it. It seems clear to me that this is a convincing scam to scare consumers into paying a debt they do not owe but are tricked into believing they do. There are several XXXX reviews of Lien Enforcement , Inc., also hinting that they are a fraudulent company and share similar stories to mine. I have reported them to the Better Business Bureau, and attached a copy of the fraudulent notice they sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Experian Information Solutions Inc.
State: SC
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 reported that I did not make this charges, authorize this charges, or have knowledge of this charge. I did not even know about this collection until I checked my report on XXXX  XXXX 3 months ago. I called the collection company and they agreed that I should not have been involved in this charge but all three reporting companies ( Experian, XXXX, and XXXX  ) are showing that : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE '' It should be illegal to place a derogatory report on my credit report that I am not responsible for or even was aware of!

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 2019-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My mother had a capital one 360 account. She passed away in XX/XX/XXXX. I started the process of trying to liquidate her account and get it transferred to her estate account in the beginning of XXXX. there have been various back and fourth. of them wanting more or different paper work but I believe the bank had all of the required forms and instruction as of Tuesday a week ago. XX/XX/XXXX. I called and confirmed and they stated that it would take 5-7 days to process. I called today XX/XX/XXXX and they confirmed they had all the right paper work but it would take 40-50 days to process.the manger also refused to let me talk to her boss and stated that he doesn't take calls. XXXX employee number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX/XXXX is reporting an erroneous late on my credit file for XX/XX/2020. I made this payment on time, and I should not be reporting any lates. I am requesting that XXXX fixes this issue as it is affecting my credit file.

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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mines. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-10-10
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A dispute was filed for an item not received, {$790.00} XXXX  XX/XX/XXXX,  package was deemed lost/stolen by the shipper, XXXX. A claim was filed, however, since the package had a signature release there is nothing XXXX could do to reimburse for loss to XXXX. Package was left in an unknown location with no signature it appears. I was in contact with several reps on merchant end regarding this loss/investigation, was given two contradicting stories pertaining to investigation, either it is still on going or it is closed and XXXX can not refund due to signature release.. I filed a dispute for loss as item not received, no signature for it.. It appears the claim was not filed correctly on Citibank end, a letter received on XXXX requests date of cancellation, there is no cancellation date ... I attempted to explain this to several Citibank reps, each person requested I put in writing what I told them, which was already done prior when dispute was filed..It appears the person ( s ) whom took claim did not enter it correctly, I explained to rep ( s ) at the time of dispute filing the package was lost/stolen and XXXX will not refund or issue store credit. However, it appears dispute was filed as an order cancellation, not for lost/stolen package..The claim needs to be updated to show lost/stolen, letters sent via fax as well as email state so, Citibank reps entered claim incorrectly

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 2020-06-25
Company: Experian Information Solutions 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2019-01-18
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: Account information incorrect

Complaint:
XXXX XXXX/XXXX  XXXX has been reporting the incorrect month and year of last payment made. They have been reporting the last payment made XX/XX/XXXX. The correct date for last payment made was XX/XX/XXXX. I will include my TransUnion credit report. XXXX XXXX  has been reporting this error for awhile. I would like them to at least consider making an update to the information that they have been providing TransUnion

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 2019-01-18
Company: EQUIFAX, INC.
State: SC
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 reported that I did not make this charges, authorize this charges, or have knowledge of this charge. I did not even know about this collection until I checked my report on XXXX XXXX 3 months ago. I called the collection company and they agreed that I should not have been involved in this charge but all three reporting companies ( XXXX, Equifax, and XXXX ) are showing that : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE '' It should be illegal to place a derogatory report on my credit report that I am not responsible for or even was aware of!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: VANDYK MORTGAGE CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I worked with Loan originator XXXX XXXX, NMLS XXXX with VanDyk Mortgage in XX/XX/2018. 

My husband and I were in the market for a new home, but was contacted by XXXX to assist in a credit consultation offered by her mortgage company. She asked for our financial information so that she can pull our credit report to assist us with credit repair BEFORE we put in an application for a mortgage. However, NO loan application was consented or submitted at the time of our initial discussion and fact finding session. XXXX has not spoken with either my husband or myself since the initial conversation, which we had over the phone and a follow-up email in writing. 

A few weeks later in XXXX, I received a letter in the mail that stated that we were denied a mortgage loan. XXXX had submitted a loan application for a 30 year mortgage that WE did not consent, approve, or even know about. She UNETHICALLY submitted an application for my husband and I based on the information that we gave her unbeknownst to us. She should be barred from practice, as it is against the law to submit ANY loan application without the consent of the borrowers, which we did not give. 

My husband and I had NEVER intended to apply for a 30 year traditional mortgage. We were looking for a VA loan, and the term were never discussed. This is further proof that XXXX processed a loan application OUTSIDE of our approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was trying to get a cellphone service from XXXX Store thru XXXX near my area but the representative told me my application was cancelled after he did the whole process on his computer and put all my personal information. So, he called the XXXX main office and I was told to call the Credit Bureau and I was surprised when I saw my credit report, most of the information that was in there are all false and I'm not aware of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Fay Servicing, LLC
State: NE
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I divorced in XXXX, walked away from previous home. In the divorce decree, The ex was suppose refinance home in her name.. The loan of home was in my name ( only ). divorce was final XX/XX/XXXX. XXXX XXXX I was informed that said home had been included in Bankruptcy of XXXX. I had no clue this had happen, but didn't think to much about it, due to the fact I didn't live there an that it was responsibility of ex-wife supposedly!!! Since said time, home is now with second debt collections company, ex never refinanced and debt collections company is using Me as previous owner, collecting money from her to live there and reporting all of this info to credit bureaus, which is illegal I thought because of Bankruptcy law. I've even had conversation about this with debt collections to no avail. I even disputed credit reports with no avail. I have also spoken to different lawyers trying get this matter resolved only to get the run around. What good are laws if debt collections can use Bankruptcy laws against me in this situation, and credit bureau 's seem to side with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2020-07-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2020 at XXXX, loan amount changed from {$200000.00} to {$190000.00}. Discount points were increased from 1.155 % to 1.655 % an increase of .500 %. Closing was scheduled for XX/XX/2020 at XXXX. 
We were never informed of the changes. 
Chase exception department decided the changes and timing of the changes were because our Cash to Buyer at closing was too high. There is a limit of less than {$2000.00}. When the loan amount changed to {$190000.00} the threshold for points was higher so they added the .500 %. 
Our contention is we didnt request the loan amount when applying for the loan. The amount was decided by Chase. 
Changing the loan amount wasnt a problem for us but the addition {$980.00} in closing costs, and doing so without warning was grievous. 
We did close XX/XX/2020 after going back and forth with Chase. The decision to continue with the closing was difficult but we had worked for over a month to get this refinanced closed and were worried about interest rates. 
XX/XX/2020 we emailed a package to Chase escalation department outlining our complaint. They denied our complaint. Escalation ECW XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-09
Company: Experian Information Solutions 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:
My complaint is against Experian. I paid off a collection account that was delinquent in XX/XX/XXXX and I sent the proof that I received from the creditor to Experian. Experian stated that they reached out to the creditor and determined that the debt was correct and they would not update the information. I contacted the creditor and they stated that not once did experian contact them regarding my dispute inquiry. I have contacted experian and have proof of contact on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request experian correctly look into my dispute. The amount of the debt I owed and paid in full was {$4300.00}. I contacted experian to request that they make the adjustment on my credit report to reflect the collection account was paid. Each time I contacted experian I sent proof from the creditor that the debt was paid in full. Experian has replied each time with the following statment " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ''

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 2021-11-01
Company: FREEDOM FINANCIAL NETWORK
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This company is not paying off my debts in a timely fashion especially given the amount of money that is deducted from my bank account monthly. For example, i have a balance of well over {$5000.00} with them but they only pay {$10.00} per month on a {$230.00} bill yet they are deducting fees and keeps moving the estimated settlement dates for bills up each month. This example is one of several with my account that couldve settled. Essentially they are making money off of me for doing as little as possible to pay off my debts. This is causing me issues with job prospects because there is no solid proof that i am paying off debts. Plus they could never provide documentation that a debt is being paid off other than a generalized letter that does not address the debts being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/29 in the amount {$200.00}, I made a final settlement payment on a charge off capital one account acct # XXXX to XXXX XXXX XXXX XXXX. Since that time Capital One has continued to report me negatively to all 3 credit bureaus resulting in a fico score drop of 14 point on XX/XX/XXXX and 41 points on XX/XX/XXXX. I sent a copy of the XXXX XXXX & Capital One receipt to the 3 bureaus to update the correct balance owed or marking as settled i was updated with 2 more months of negative reporting. Per my most recent credit report from XXXX, originally i was only showing collections as of XXXX, after the most recent dispute report on XX/XX/XXXX i was hit with negative reporting for XXXX XXXX which clearly is inaccurate. I have contacted all parties multiple times about this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: OH
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:
THIS IS THE SECOND REQUEST TO REMOVE inquires on my report that I did not authorize. Please REMOVE/DELETE these inquiries IMMEDIATELY : 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 2021-04-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I cancelled my credit card on XX/XX/XXXX, as I did not want to pay the annual fee renewal of {$95.00}. I did not pay the {$95.00}, as I know that I didn't need to since I experienced financial difficulties due to COVID 19 and I did not need the credit card due to my financial hardship. 
I had over XXXX Thank You points when I cancelled. I was fully aware that I had to transfer them within 60 days of cancelling. 
However, when I cancelled my card, my TY points disappeared instantly. You will see this by looking at my XXXX statement when they were there, and my XXXX statement, by which time they had disappeared. 
I was told by a customer service rep that my points will be reinstated as soon as they issued a credit of the {$95.00} annual fee. 
Despite several attempts to recover my TY points over the next several months, the last attempt being today XX/XX/2021, I was told that I was beyond the 60 days to use them. Except - I never had those 60 days, the points disappeared instantly. 
In one conversation in late XXXX, a CSR told me has was going to try to reinstate my points and was going to follow up with me within 5 days. which of course he didn't do. 
All I heard was either : - Call Thank you Points service phone number, which I did, repeatedly. They send me back to the regular number of Citi customer care. And Citi sends me back to Thank You Points, and so on. No one claims responsibility for my loss of points. All they can say is that I passed the 60 days mark. Once again those points disappeared instantly in XXXX. 
- There is no further way to escalate. The " supervisor '' is the ultimate authority, like if there was no management or executives in charge at Citi. 
Basically, I was robbed of over XXXX points with no recourse.

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 2018-04-13
Company: Experian Information Solutions Inc.
State: WA
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:
Experian and XXXX XXXX  choose to automate their responses and limit their options and communication. It's frustrating to use a touch tone phone and not get the assistance needed. The lack of conversation is outrageous. Nothing is black and white especially when it concerns credit. 

Please address this.

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