BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-30
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
We asked to be released from the loan, when we noticed they closed the Account without warning.There also charging the account while its closed at the same time. We found out the vehicle was a rental which wasnt disclosed not only that, its been in several accidents. We tried taking it back after we seen the report on the XXXX which the dealership provided. Heres the problem they asked for money down which was {$4000.00} then we was paying on time every month & in a 10 month range the total of the vehicle never declined nor decreased. At the moment we do not have the vehicle & we are still being charged for the vehicle after they closed the account. All we want is to be released from the loan as soon as possible. I feel like they ripped me off & never did anything about it when I brought it to there attention. I have read they not only did it to me & my wife but theres others the pushes over & made threats too. Consumer portfolio service is the company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Debit collector called my boss at work and left a message and then proceeded to give him information about this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reached an agreement with Barclays Bank to settle an old, charged off credit card account. After accepting my payment of the full settlement amount they continue to falsely report the account as being delinquent and having an outstanding balance. I filed a dispute with XXXX and Barclays fraudulently claimed that the account was still delinquent and I owed them additional money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : 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 2022-02-24
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: Information belongs to someone else

Complaint:
Victim of identity theft & this account needs to be deleted from all 3 credit reporting agencies. I have attached the police report number for XXXX XXXX as well as the bureaus.

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 2023-11-03
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the XXXX XXXX XXXX I received two invidious letters from the law office of Pressler, Felt and Warshaw, LLP, XXXX XXXX  ; on behalf of two debt collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The letters purport that I owe some unspecified and unsubstantiated debts, and that a wage garnishment order has been exigently executed and sent to my current employer. 

Let me unequivocally state that I do not recognize these fictitious and mendacious accounts, neither do I intend to make any payments therein. Succinctly, I will pay XXXX dollars! I refuse to be inveigled, inculpated or browbeaten into accepting any pecuniary responsibility or obligation, concerning the debts. 

Furthermore, the letters did not specify any dollar amounts owed, nor have any appurtenant evidence linking me to these debts. Be apprised that I am requesting a debt validation notice on these accounts, and will also be contacting the office of the NJ Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$0.00}.

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 2020-01-16
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've been attempting the dispute the alleged medical debt incurred 7 years ago as I haven't been to an Emergency room without insurance in over a decade. XXXX/Phoenix has placed this same debt on my credit report twice, so it appears there's 2 debts, ( once under XXXX, once under Phoenix ) They've never sent anything in writing and wouldn't confirm their identity if they called. After doing some research, it would appear that this is a common tactic when a debt is about to be removed due to age. I'm not sure if XXXX and Phoenix are affiliated with each other. It would appear they're trying to " reset the clock '' on a debt I never should've been liable for in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Specialized Loan Servicing Holdings LLC
State: FL
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:
Specialized Loan Servicing ( SLS ) Address : XXXX XXXX XXXX XXXX, CO XXXX Customer Care Number : XXXX SLS filed a 1099-C on a second mortgage that was legally prohibited at time of short sell in XXXX. 
When this sale occurred we fell under the Mortgage Forgiveness Debt Relief Act of XXXX which has been extended through XXXX. This was our primary residence and we had lived in the home over 2 years. At the time of sell the second mortgage was held by XXXX XXXXXXXX XXXX  Once the home sold we did not get a discharge of debt as the debt collector ( At the time XXXX XXXX XXXX ) was prohibited under the Mortgage Forgiveness Debt Relief Act. ( XXXX XXXX XXXX  ) In XXXX of XXXX we received notice of sale of the debt to SLS and they wanted to establish repayment. We sent a validation letter and explained that this was over 10 years ago and at the time of sale the Mortgage Forgiveness Debt Relief Act was in effect. The next thing we heard back was this 1099-C that we received in XX/XX/XXXX. XXXX states that they discharged XX/XX/XXXX. We are seeking to have the 1099-C withdrawn from the IRS filing XXXX We are also filing a 3949-A with the IRS regarding SPS fraudulent deduction and requesting IRS take legal action to the extent of the law. We are attaching the Warranty Deed on the sale of the home and the fraudulent 1099-C.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In response to my previous complaint the credit bureau advised that the disputed item is updated. However, they did not delete the disputed item which is over 7 years old. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXX XXXX XXXX XXXX XXXX Also, Transunion is showing a 30 late payment on XXXX XXXX XXXX XXXX which is incorrect- I have never missed any payment on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In XX/XX/2023, My mortgage company paid property taxes on my behalf in the amount of {$920.00}. My XXXX statement showed that I owed the amount of {$920.00} plus my regular payment of {$590.00}, totaling {$1500.00}. This is the amount that I paid on XX/XX/XXXX. When I received my XXXX Statement, I saw that the payment had been entered as 2 regular payments of {$590.00}, and an optional fee of {$320.00}. I have contacted the company 3 times and the error has not been corrected. At this point, I don't know what I should do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX : {$110.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2023-07-29
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This credit reporting agencies has debt and collections on my credit report, I have disputed these things and asked for an itemized bill and or a contract to verify that the debt belongs to me, I have actually reported to these companies several time to verify and send me proof and not one item has came in the mail or have yet to provide the debt belongs to me... still on my credit report a even when asked to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: W&A Intermediate Co., LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection alert on XXXX for {$970.00} for 1 month term from Wakefield and associates. I have never opened this account neither received any funds from this. The original creditor is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: CITIBANK, N.A.
State: MA
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:
I attempted to dispute an item on my credit report and XXXX is blocking me from doing so online. They give a useless phone number which makes it very difficult to file the dispute. By not allowing to file the dispute online, XXXX is showing extreme bias toward the consume in favor of the merchant or credit card, as they are allowed to place items on line. I believe also that XXXX is in violation of United States Law regarding consumer protection, as we are supposed to be able to dispute an item on the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: NC
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX  XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$21000.00}

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 2022-02-24
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover sent me a random email on XX/XX/2022 saying they had closed my account after performing a random credit check on me. I have never been late with Discover or any other credit card company for that matter. I have a 700+ credit score. They are hurting my credit and giving me no recourse. I didn't even have a balance with them. Now I have a closed account on my credit report which reduces my score and gives me a lower credit history average. In my eyes this is predatory. I have always payed Discover on time and now they just drop me. They invited me to apply in the first place and take advantage of their APR offer. Seems to me they dropped me because I haven't used their card recently and they want to allocate that credit elsewhere. Apparently they haven't made enough money off me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
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: Information is missing that should be on the report

Complaint:
On XXXX XXXX XXXX I paid off my mortgage with XXXX XXXX XXXX in the amount of {$67000.00} that has not shown up on any credit reports as an account or loan and I have now paid this mortgage in full. XXXX XXXX XXXX gave me an audit control number of XXXX to call all 3 credit bureau 's. All 3 credit bureu 's have no clue as to what I am talking about and still have not even shown I ever had the loan with XXXX XXXX XXXX. This loan has been paid on time in advance each and every month I had the loan with no late payments. I want all 3 credit bureaus to show the loan and that it was paid in full. I should get alot of good credit for this loan. If it was negative credit they would have no problem reporting 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 2023-07-28
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received mail on XX/XX/2023 from a law firm indicating that there is a lawsuit against me from LLC Spring Oaks Capital SPV and they would like to represent me. However, I never received any notice regarding a lawsuit being filed. I don't have an agreement nor a contract where I was working with them so I'm not sure who they are or what debt they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is in violation of reporting a charge-off on my consumer report. I also never gave this company verbal permission or a written signature to furnish anything on my consumer report to begin with, which is a direct violation to my rights of privacy as a consumer. To my understanding a company can not report a charge-off as it is considered income. I want to see theXXXX form that was filled out for this account by XXXX XXXX XXXX. This account is damaging my reputation as a consumer, which directly makes life more difficult and stressful as I search for my first apartment. Please remove and delete this account immediately. 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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A merchant charged our credit card on XX/XX/23 for {$1000.00}. They never did any services so we started a dispute near the end of that month. Citibank said to look out for something in our email re : this case and we never saw/heard anything until we saw a reversal in favor of the merchant on our credit card statement. Citi said they sent something in the mail - saying the merchant responded and we were supposed to respond back by a certain date. We never received that mail. The merchant just sent over an invoice stating that he charged us {$1000.00}. Based on that they reversed it for some reason ... no valid contract whatsoever, and we never saw any mail from Citi. We called and they re-assured us many times that they will re-open the case since we didn't get the letter and since we were a customer for near 20 years. We told them the company was fraudulent from the beginning of the dispute -- why should we be held accountable for not getting this letter? They could've sent an email, as well - certified mail, etc... mail " DOES '' get lost these days & person in charge in disputes should not have reversed the charged based on just an invoice.

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