BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/2018, XXXX deleted and removed item from their credit report. ( Report # XXXX XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this  disputed item must be updated to reflect the deletion of the bankruptcy. XXXX  has updated credit report but Transunion and XXXX has not.

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 2021-09-15
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings, My name is XXXX XXXX and im submitting this complaint myself and there is no third party involved. It has come to my attention that your company IC SYSTEM is making a conscious effort of being willfully non-compliant of a lawful document that has been sent mailed multiple times certified mail, submitted through the CFPB multiple times, submitted the FTC, and submitted through the XXXX XXXX XXXX multiple times. These classified documents. Corporate policy does NOT AND HAS NEVER superseded federal laws of the FDCPA, Truth In Lending Act FCRA, and Title 15.

The complete disregard of my lawful documents and rights will not be tolerated. My consumer rights have been violated due to various US Codes and at this point I'm a victim of harassment and abuse by Wells Fargo. I will give 10 days as a courtesy for officers/employees/agents/CFO 's at your agency ( IC SYSTEM ) to review the documents I provided.It would be the IC SYSTEM legal departments best interest to do their due diligence and to settle this privately.One the enforcement of this lawful document goes into effect there will be NO further negotiations. I need to be contacted immediately regarding this matter. Attached to this complaint is a Validation of Debt, A Affidavit of Fact, that is due on XXXX XXXX. 

I don't consent to you marking my CFPB complaint as a duplicate.

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 2019-07-30
Company: EQUIFAX, 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:
The items listed below do not belong to me and must be immediately removed from my credit report. 

1 ) New York XXXX XXXX. of XXXX XXXX Opened XX/XX/XXXX with {$0.00} Balance 2 ) XXXX XXXX XXXX Opened : XX/XX/XXXX with {$11000.00} Balance These accounts are reporting in error. I have filed a complaint with local authorities and the FTC. If they are not removed, I will file a civil suit against the credit bureaus for falsely reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XXXX there was a car purchase in my name without the proper paper work they needed. The other person that was with me took them a fake check stub now he has the car. The dealership also know about this I have spoken with them the next day. They also states that they're going to remove my name. Yet they didn't. The dealership and the other party involved used that check stub and wilth all said I haven't worked in a year. The bank Westlakefinancial also have a fake check stub and they are aware yet didn't do anything about it. I gave been try to fix this since XX/XX/2021.

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 2019-09-25
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This was a new loan. Autopay was set up immediately with my bank to make these payments every month. 
My XXXX payment was cleared out of my XXXX XXXX Checking Account on XX/XX/XXXX for {$1700.00}. 
On XX/XX/XXXX Loan Depot made an electronic payment into my XXXX XXXX XXXX Account for that same amount of {$1700.00}. 
I tried to resend it to them and on XX/XX/XXXX my XXXX payment for {$1700.00} was cleared out of my XXXX XXXX Checking Account again. 
On XX/XX/XXXX Loan Depot made an electronic payment into my XXXX XXXX Checking Account for that same amount of {$1700.00}. 
I called and was told by Loan Depot they never received that payment and to resend it again as they had received all of the previous payments with that payment method. 
On XX/XX/XXXX I again had the payment of {$1700.00} for Loan Depot posted as cleared from my bank account. 
On XX/XX/XXXX the payment was again electronically submitted by Loan Depot into my XXXX XXXX  Checking Account. 
After this I called Loan Depot again XX/XX/XXXX. We did a conference call with my bank XXXX XXXX  and Loan Depot to try and determine what was going on. During this call the Loan Depot representative with the XXXX XXXX  representative figured out that Loan Depot had previously changed my loan account number. This is why payments were being returned because my loan number was changed it was being returned as a nonexistent account. 
XX/XX/XXXX I called Loan Depot to determine why they were reporting me as 30 days late on my payments. I spoke to XXXX XXXX XXXX and was told she found that recording and was going to escalate it to the supervisor. 
XX/XX/XXXX I contacted Loan Depot via chat. I was connected to XXXX XXXX who wrote that a supervisor would be giving me a call within 24 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
SELPORTSVC ACCT # XXXX I was in a loan modification and was told why I was making the modification payments I would not be reported late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Valentine and Kebartas, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have had several conversations with XXXX XXXX @ Valentine & Kebartas, XXXX in regards to a debt owed by XXXX XXXX/XXXX XXXX XXXX to XXXX XXXX ; the balance is {$7800.00}.
XXXX/XXXX/2017- I asked about a SIF ; XXXX offered 1X- {$5800.00}, 2X- {$6100.00}, 3X- {$6600.00}. told me absolute lowest he could go was the {$5800.00}. Told him I would have to get back to him.
XXXX/XXXX/2017-XXXX called as follow-up ; I offered 1X- {$3900.00} ( 50 % ) ; now he said he can come down to {$5400.00}, after he told me on XXXX/XXXX/2017 he could n't go any lower than {$5800.00} ( so he lied to me ). I advised to both I would not be able to afford that and would only be able to pay $ XXXX/month. XXXX 's response was that he would not be able to accept that. I responded stating I would just send that amount to either XXXX or his office, did n't matter to me because they would not refuse the money. Call ended after speaking to supervisor XXXX XXXX
XXXX/XXXX/2017-XXXX called again asking for intentions. Advised same thing as previous conversation. XXXX 's response was to ask me if we were represented by an Attorney. When I inquired why, he responded stating that this account would move further along ( implying we would be sued ) if I did n't pay exactly what he was offering. He ended call stating he would advised to move this account from his office ( not sure who he is advising ; supervisor, manager, attorney? ) Also stated he would no longer call me, but would only speak with XXXX XXXX, the owner of the company.
XXXX/XXXX/17-XXXX called ( Caller ID showed " MAP VER '' XXXX ; he is calling from MA not NY, why is this company trying to deceive me with an incorrect phone number? ) XXXX opened the conversation with what I could pay. I advised we planned to send the {$500.00} as previously discussed, but I was waiting to be contacted by an Attorney 's office like he had advised would happen on the XXXX. When I questioned him on threatening legal action, he immediately tried to retract what he said and said to just send the {$500.00} in ( which he previously told me on several occasions that he would not accept that amount ). I ended call advising I would be submitting a complaint against him and his company with the CFPB for threatening legal when there was no intention of doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Southern Auto Finance Co
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report shows a SAFCO account reporting as of XX/XX/16 as a Charge Off for {$10000.00}. This is not my account. I have written numerous letter to this company and filed several disputes with the Credit Bureaus. This is not my account. I do not have a contract, loan, nor do I have a financial obligation to this company. They are continuing to ruin my credit and this is not even my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the last 12 months I have made my payments on Select Portfolio Servicing 's website without any problems. 
I tried making my payment on XX/XX/XXXX and I got the following message One or more errors were found " Your request to process a payment can not be completed at this time. The account is ineligible for online payments. Please contact Customer Service at XXXX for additional information. '' I contacted Customer Service and the agent informed me that my account was on a short sale program. We have not requested any workout or short sale program and was totally taken aback by her statement. The agent proceeded to inform me that as a result of the short sale set up I could not make a payment on the account. This change of status of our account was not requested and is inaccurate. The agent said on XX/XX/XXXX that she would cancel the program and I would have access to make a payment on XX/XX/XXXX. I called back and the account is still blocked and the agent said they ca n't even process a payment for me either and I will be assessed a late fee. SPS servicing practices are extremely unfair and deceptive because I get different answers every time I call about an issue. Case in point, we had requested a partial lien release to facilitate a road expansion project by XXXX County which took seven months to resolve and took the escalation to the Ombudsman department to get an answer or a call back. Please assist to resolve this error and mistreatment by SPS.  We had the same horrible experience when we tried to modify the account about five years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, 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 have disputed the charge for the XXXX student loan several times, but Transunion has not been resolved the issue I have requested. 

Pennsylvania has a statute of limitations of six years for typical debts. If it's been more than six years since a credit card debt or contractual loan obligation became due, the creditor can no longer take collection actions for that debt. This is a standard statute of limitations and is on par with most other states. 

This charged off from XXXX loan is much more than 6 years. XXXX loan has reported the wrong information to Transunion. I have requested to remove the XXXX loan from my credit reporter but they have not resolved my request. 

I also have disputed to XXXX loan company about this issue which they have reported the wrong information about my loan. XXXX XXXX XXXX reported in 2014 to Transunion and others, but other credit report agencies have removed my dispute charge. 

Charge off loan should NOT be on my credit report which has passed more than 7 years. 

For that reason, I would like to report about Trans union to correct and remove the information about my past loan.

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 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm unable to open an investigation into some negative remarks on my credit report with TransUnion. There is no contact information, the guide to submit a dispute states there are options that are missing on their form to submit a dispute. The website only leads to paid account signups, I had to use a search engine to find the right page to even try to submit a dispute. 
I am unable to have the false negative remarks even investigated by TransUnion. 

Background information :. I've been able to open investigations and Ultimately clear negative remarks that shouldn't exist on my report with the other two major credit reporting agencies ( XXXX and 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 2020-11-30
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Barclays Bank is refusing to close my online savings account, which is in good standing and has a {$0.00} balance. I have requested the account be closed several times, but the bank has refused to close the account without providing a valid reason.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
TransUnion currently shows a derogatory credit report for " XXXX XXXX '' a collections company for XXXX XXXX to whom it is claimed I owe a debt. This is a error and should be removed because I was covered by my insurance company for any and all debts owed for treatment. This is having a negative impact on my Credit score and report when seen by other financial companies.

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 2018-01-04
Company: EQUIFAX, INC.
State: NC
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 called and spoke with a representative by the name of XXXX on XXXX XXXX, XXXX. My call was in reference to the bankruptcy that was removed from my credit report. I called because items that were included were showing on my credit report after the bankruptcy had been removed. The accounts were XXXX XXXX, XXXX, and XXXX XXXX. The representative assured me numerous times that the information would be removed and that it was just a matter of the report updating. From past experiences this has not been the case, however I accepted what I was told because the representative said that she would send me an updated report. I received the updated report and the items remained on the report. I placed a second call the week of the XXXX and spoke with XXXX who advised me that the items would not be removed and I would need to go through the dispute process. I then requested to speak with a supervisor XXXX in Nevada and he advised the same as the representative and I expressed how I felt that it was unfair considering that I confirmed and reconfirmed with the original representative that the items were being removed. I think that when a person calls a company to get information in regards to any account or credit reporting that they should be able to walk away knowing that what they have been told is accurate and will be carried out by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: BARCLAYS BANK DELAWARE
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I never received my bills / email stating I was past due. I was past due because of an annual fee this company charged. I get paying the annual fee but they reported me to my credit bureau as past due in the amount of XXXX. This should be illegal to report me based on a fee they charged, chRge a fee for the fee and report false information when it wasnt past due XXXX. I want a deletion letter sent to remove these off my 3 credit bureau reports and an explanation why I never received a statement, a phone call or an email about my past due balance - If I never signed in online Id never have known.

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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
my identity was compromised. i disputed matters several times with the cb and they only reply verified or accurate. i advised them about my situation, i have proof of letters sent out with items that should be removed. they refused to obey by the law with providing me with validation that obligates me to the items as mines.. i provided my police report etc..

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 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX 2017 I sent written request to XXXX, Transunion, XXXX  requesting physical verification of the original signed consumer contract accounts posted on my credit report. I requested that validated these for debts that were being reported. I have never received any physical copies.In the results of the first investigation they stated in writing that you verified that these items are being reported correctly with out any proof. I then sent a letter asking who verified these accounts. Which they were not able to provide any proof. On XXXX XXXX 2017 repeated the same process. I still have no physical verification.

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 2018-01-04
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
PURCHASE VEHICLE CAR SALE MAN DIDNT TELL ME HE WAS RUNNING CREDIT TO DIFFERENT AUTO LOAN FINANCE COMPANY

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 2022-02-03
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am now eligible for PSLF due to the limited waiver from XX/XX/XXXX and qualify for forgiveness on the loan that I have paid on successfully for over 15 years while I've been employed by the Federal govt. I had tried to apply prior for loan forgiveness, but was told my loans didn't qualify. I followed the directions for the limited waiver to consolidate my prior loans into a direct loan, which I did on XX/XX/XXXX. Once I received notice that the direct loan was completed on XXXX XXXX, XXXX, I submitted the PSLF application on XXXX XXXX, XXXX. I then get an email XXXX XXXX XXXX, XXXX from Fed Loan Servicing saying I have only made one qualifying payment and in my online account with them it is saying employment not certified. But, to even submit the PSLF form, I had to have my employment certified by my Federal agency, which I did. I called the PSLF number listed on Dept of Ed site, XXXX on Mon. XXXX XXXX, XXXX and was told that I yes, had 1 qualifying payment but the agent could not answer any PSLF questions. I hung up and thought about it more, and wasn't satisfied with that answer so called back again, waited on hold, spoke to an agent who said he could not answer PSLF questions, so he then transferred me to PSLF line and waited on hold again. The agent that handled my call was able to provide more information and was able to determine that my payments were considered prior consolidation payments but there is no way to track that online or know the progress that Dept of Ed is making to review to see if those payments count or not. I then logged into my account on Dept of Ed/XXXX and it's saying that I'm not eligible for PSLF and that I have not been in repayment for at least 10 years and do not yet qualify for PSLF. At this point, I have no idea if I will receive forgiveness or not and who can help.

Company response to consumer: Closed with non-monetary relief