BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-20
Company: GREAT LAKES
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Complaint 1 : I made my payment early as I often do, though I'm on automatic payments. When you do this, there's a disclaimer saying that your additional payment will reduce your automatic withdrawal payment by the amount of the additional payment. I haven't had the payment come out twice before. It did this time, and when I asked about it, they treated me like an XXXX. I even selected " Principal Only '' for the additional in case this happened, yet they took interest from both payments. This shouldn't have come out twice, but if that's how they're going to run their business, then additional payments that have been marked for Principal Only need to be Principal Only. 

Principal Interest XX/XX/2018 Pending {$100.00} XX/XX/2018 Payment {$120.00} {$100.00} {$18.00} XX/XX/2018 Payment {$110.00} {$110.00} {$0.00} Complaint 2 : I refinanced the majority of my loan in XXXX to another servicer because Great Lakes ' practices are so terrible. The balance left with Great Lakes was a little over {$6000.00}, yet they did everything they could to keep my monthly {$350.00} payment that I was paying when my balance with them was nearly $ 30k. I had to fight tooth and nail to reduce the payment to what it should be. I got through the whole hour-long process on the phone the first time, and was told I'd have to wait over the following weekend for changes to take effect. The changes never came, and the entire {$350.00} was withdrawn from my bank account. I called to see where they were at in the process of changing it, and they claimed they had no record of my call. So I went through the whole process again. I saw nothing still the following week, so I called again. Again, no record of me calling. On the third time, after threatening reporting them, my payment changes were made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/19, I received a letter from XXXX XXXX XXXX informing me that they were transferring my HELOC to a new company called Specialized Loan Servicing LLC ( SLS ) as of XX/XX/19. I was not behind or late with any payments, in fact, I was paying an extra $ XXXX and the payment was due on the XXXX and I would mail it on or around the XXXX. To date ( XX/XX/19 ) I have NEVER received anything in the mail from the new company. 
On XX/XX/19, I called Specialized Loan Servicing asking where my statement was that was due XX/XX/XXXX. I was told that because they just got my loan turned over to them, and they have 60 DAYS to process it, I would have to wait until XX/XX/XXXX and make a double payment PLUS pay the extra interest accruing. They also told me that XXXX had sent me a statement for them. XXXX had sent the statement but it had XXXX 's acct # on it and their address. So I asked the guy to give me the new loan number and confirmed their address was the one XXXX had provided in their letter. I hung up & wrote the check, included the XXXX remittance with the NEW acct number on it & the check, and mailed it to SLS the next day. 
So now it's a month later, XX/XX/19 and and I STILL have NO STATEMENT - or any other contact - so I can pay SLS. I called them today ( XX/XX/19 ) & spoke to XXXX XXXX # XXXX. I asked her if they had mailed my XXXX statement yet because I still didn't have it. XXXX told me they COULDN'T mail me a statement because my loan is a HELOC. " So? '' I replied. " We can't tell you what your payment is every month, you have to call in and ask so we can tell you what it is at that minute and then make the payment right then and there over the phone. '' SERIOUSLY?!?!?! I've had 3 HELOCs over the past 25 yrs and ALWAYS gotten a monthly statement. I argued with her for another 5 mins asking over and over for a statement and she also told me that they have 60 DAYS to get my account up & running. I finally gave up and hung up. 
My letter from XXXX dated XX/XX/19 said SLS would 'send a letter in the next FEW wks with my new acct #, pymt address. ' The letter also said SLS would 'support my account needs, including STATEMENTS, billing, payment processing ... ... ' I also didn't have my statement from XXXX XXXX for my home owner 's insurance due XX/XX/19. So I called them yesterday and was told that it was sent to Specialized Loan Servicing per their request since they are my new MORTGAGE COMPANY. Since when is a HELOC loan responsible for paying home owners ins since there is no escrow acct and I still have a 1st mortgage? SLS couldn't contact me but they did contact my ins co. 
I don't know who this 'fly-by-night ' company is but they need to be shut down. They have no idea what they are doing and shame on XXXX for contracting with them.

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 2018-08-20
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:
In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my Equifax and XXXX   reports without either consent and had not been updated on XXXX since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, Equifax and XXXX to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor Equifax report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX ( see attached letter ), with the Executive Response Unit, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My top secret security clearance was cancelled due to information my company received from American Express regarding charges on my company credit card. I have asked for signed charge slips for all charges, especially the obvioius fraud to XXXX for over {$16000.00}. I plan to file a police report. In the past I have asked for explanation for these charges but have never received them. I am hoping CFPB can help me clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and nelnet is reporting inaccurate student loans on my credit profile. I have addressed this issue with them on numerous of occasions and they are refusing to resolve this isssue. This matter is causing my credit to plummet and I am being denying for everything Im applying because of XXXX and XXXX inaccurate reporting. Below I have attached proof that XXXX and XXXX are reporting inaccuracies across the board on serval student loan accounts. XXXX, XXXX, and Nelnet is also reporting. XXXX and XXXX are reporting different account status, date opened, last reported, comments, and date last active on all the student loan accounts in question. There is also a duplicate account for each student loan account, the duplicate accounts are reporting a different high limit under the same account number. The XXXX credit bureaus are falsely claiming the accounts meets FCRA guidelines but they clearly DO NOT. FCRA website states that all information on accounts must be the same across the board and must meet FCRA guidelines. XXXX has atleast deleted these inaccuracies and XXXX and XXXX must follow suit. I am asking for reputations of {$1000.00} dollars for this violation of my consumer rights. I have attached proof of all accounts and every inaccuracy that the bureaus are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Numerous attempts have been made to contact West Lake Portfolio Management on behalf of US Auto Sales since XX/XX/2023. My vehicle has been PAID IN FULL direct to US Auto Sales since XX/XX/2023. My Payments direct to US Auto Sales and from my bank were received, posted and acknowledged. Upon making my final payment, I was advised by US Auto Sales servicing center on XX/XX/2023 I would receive my title within 7-10 business days. However, we are quickly approaching 90 days and I have not received my title, or an electronic lien release issued to the Georgia Department of Revenue. 

I have attempted to contact US Auto Sales on many occasions however, the business has filed for bankruptcy, correspondence sent certified mail has been returned, forwarding address is no longer valid and all business locations are closed. My payments to US Auto Sales included a warranty and GAP Insurance, only to learn US Auto Sales stopped paying the warranty company and GAP insurance over a year ago. I received a letter from US Auto Sales advising I would be entitled to a refund of {$1800.00} that I haven't received. US Auto Sales has been operating illegally in the state of Georgia for the past 6 years as their business license was revoked. I have worked 2 jobs to pay off my car in full and I was excited. I am now feeling frustrated, hurt, mentally exhausted and betrayed by my experience with US Auto Sales. I have always been a good on time paying customer, and always held up my end of the contract. I have been left with no further communication from US Auto sales and stolen funds. I have been left with questioning US Auto Sales integrity and commitment to honoring their contracts. I have provided my XXXX receipts from US Auto Sales, in addition to my posted transaction history from my bank paid to US Auto Sales servicing center from XXXX for my final balance. However, Westlake is advising they aren't receiving my documents. With each phone call to Westlake I receive a different answer. I was advised that Westlake was under staffed. 

It is my understanding that Westlake Portfolio Management has acquired US Auto Sales. Therefore, the matter now falls within the scope of Westlake Portfolio Management. It is now their responsibility to honor their commitment by doing the right thing and making this process as seamless as possible. At this time, I am requesting an immediate release of my title and electronic lien release be sent to the Georgia Department of Revenue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've informed the credit report companies, XXXX, XXXX, and Transunion, that these aren't accurate, and I've produced the XXXX XXXX Bankruptcy, showing all the negative items on my reports are to be by law removed, and id be filing charges if they weren't. They've failed to do that. I've said the same things to the creditors, as they're supposed to stop reporting them as accurate, because they're no longer accurate, and no longer any account at all. They're gone. Only thing supposed to be showing on my credit report is the XXXX XXXX Bankruptcy, and any new things I've done since that time. They've decided not to do as instructed. Neither the credit bureaus, nor the creditor 's either. One creditor is still sending me things, and isn't supposed to be reaching out to me at all. Which is 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 2023-02-10
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
To Whom it may concern On XX/XX/21, I applied for the XXXX loan forgiveness. My loan was through XXXX for approximately {$7000.00}. I am lacking proof and paperwork due to the fact that all correspondence was through a digital mailbox on the Fedloan website which no longer exists. After verifying my employment, it was deemed that I made 145 qualifying payments to my student loan. In XXXX, I was notified that the loan would be transferred to XXXX. A few weeks later, I was notified that the loan would not be transferred due to the fact the balance was now {$0.00} due to it being forgiven. Upon speaking to a representative at Fed loans on multiple occasions, I was told Iwould receive a refund for the 25 qualifying over payments made. I should expect the refunds in XXXX. It is now XXXX and no payments were refunded. I have been trying to contact FedLoans and the agency who took over to find out about the refund, but no working number exists. Even numbers that I was transferred to through XXXX and XXXX, no one has any leads for me to call to inquire or any loan information for me. I even called XXXX because I was at a loss of what to do. I am owed money and no one can help me get this refund. Please help me. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX, US DEPT OF EDXXXX XXXX, has violated my rights.

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 an 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 2023-03-02
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXXXXXX I inquired about debt consolidation loan on the companies web page clearly states they do a soft pull that does not effect your credit report. This is a False and Misleading statement on their web page, they do a hard inquiry and it has effected my 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 non-monetary relief
Consumer complaint received 2017-03-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
So I got a loan modification and XXXX from XXXX help me to do it it took a year to get my loan modification done I did n't miss a payment or was I late so tired of Rushmore so XXXX called me from Rushmore today to have me send more papers to them that me and XXXX have sent to them when my modification was done we talked to a manager and they said they had very thing they needed now they want more paper work from me that have already have sent to them when I made my last complaint and I sent out the papers work out again to day XX/XX/2017 I do n't know if I will ever get my statement from Rushmore my loan # is XXXX thank u so much XXXX someone need to fire a lot of people at Rushmore the customer service reps will not let u talk to a manager and if they do they put u on hold and then hang up on you and when u call back they do the same thing so please help if u can

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, I am concerned about XXXX accounts which I have been disputing for several months now. They are appearing on my Equifax report and have not had any activity since XXXX of 2008 and Equifax has continued to keep reporting it after I have asked them to delete them from my file as they are not allowed to report past 7 years of the date of the last activity. The accounts are listed as 1 ) XXXX XXXX XXXX # XXXX ; 2 ) XXXX XXXX ; 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX XXXX XXXX XXXX # XXXX these XXXX accounts received their last payments in the XXXX of 2008. That is when I defaulted after I lost my job and had no money to make any payments. I have never made a payment or had any activity since about XXXX of 2008. These accounts are very old and I hope that they will just delete them already. I have fought them over and over again on the accuracy of these dates and the furnishers can not help me, they say, because they can not pull any records. So how did Equifax verify these dates? They need to know that it is not right to report items past the statue of limitation, which I was told by XXXX that that is XXXX years. Please, can the CFPB ask Equifax to investigate these again or delete them? I need to start my life over again already and this is holding me back and making me very very depressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: UT
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 filing this complaint against XXXX XXXX XXXX. They negatively reported to my credit report and the other borrowers credit report saying we missed a payment while we are in forbearance I started a dispute with all three credit reporting agencies regarding this on the end of XXXX, but XXXX XXXX XXXX informed the credit reporting agencies that they are not going to remove this missed payment and that the information they reported is accurate. ( letter attached. ) XXXX XXXX lending claims that we missed a payment on XX/XX/2020 in this letter. This was false since the servicer at the time was XXXX XXXX and the letter attached shows that they never reported a missed payment for XX/XX/2020 or any other dates as I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 these companies has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bankruptcy 15USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604A section 2,, it also states a consumer.reporting agency can not furnish an account without my written 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