BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Continental Services Group, Inc. d/b/a ConServe
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contact by Conserv XXXX ( a governement debt collection agency ) regarding a housing and tuition debt through the VA. The women ( XXXX ) on the phone contacted me at my place of employment and kept saying she was calling on behalf of the United States Treasury Department. She repeated the name several times in an attempt to scare me. She used a very stern voice as she repeated " The United States Treasury Dept '' many times. I explained to her that I was going through a divorce and was a victim of XXXX  XXXX and I was trying to get my affairs in order. I asked her if there were any hardship programs or anything available to me to help resolve this isse. She said no that I was beyond that point and needed to set up a payment plan immediately. She updated my monthly income and monthly expenses. After doing so she offered me a payment plan at over {$900.00} a month for 24 months. I told her that was completely unaffordable, she then said the longest she could go is 36 months for $ XXXX a month. I told her that was still unaffordable. She said that's the best she could do. I told her I couldn't start making payment until XX/XX/XXXX and she insisted I start on XX/XX/XXXX. After I told her I couldn't commit to that she said ok that the calls collection action would continue. After she got coerced the information out of me and was closing the call her tone of voice was completely different and even friendly. 

The issue I have with this is she seemed as though she was trying to impersonate some sort of collector from the US Govnernment becuase she kept saying " US department of Treasury during the call, the plan she offered DID NOT taking any of my shelter, utitilities or food costs into consideration and I felt completely scammed after dealing with her because of the sense of urgency she tried to set. After doing research to see if they were a legit company I see they pride themselves in being the # 1 in getting results. That's because they use deceptive practices to con people into commiting to something that isn't feasable in an attempt to meet their collection numbers. She did not help me come up with any kind of plan that would help me resolve this debt taking into consideration my living expenses. I also see where the department of treasury goes longer than 36 months for payment plans after she told me she would check with her " manager '' then comes back on the phone to say no they don't go longer. If they company did this to me then they are certainly using scare tactics on other people. Not only did they call to collect balance due which I understand I'm responsible for and want to make good, they tacked on over {$8000.00} in " admin '' fees. 
I'm obviously struggling with the actual debt but then adding the admin fees on top doubled the amount I owed and made the payment plan unaffordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Aargon Agency, Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I spoke with manager XXXX not sure of the last name. 
I first requested a 1099 form i was advised to request online. 
I then requested an original contract & agreement my question was never answered, i kept being ignored before XXXX hung up on me 3x. 

Company is refusing to send me and documents associated with me, my account, name, securities 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 2023-08-03
Company: EQUIFAX, 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.

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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I submitted letters to each of the credit bureaus letting them know that there is inaccurate/ incorrect items being reported to my credit report. It's been over 45 days and it is required by law that I have a response within 30 days and have yet to receive any type of letter or notification. I feel like I'm being ignored and taken advantage of and will file for litigation if I have to. Please help me with this matter.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Principals rights were violated by XXXX XXXX XXXX in conjunction with XXXX, TranUnion, XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. Information was reinserted on principal consumer report this erroneous tortuous act took effect on XX/XX/ in the amount {$720.00}.

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 explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: General Motors Financial Company, Inc.
State: SC
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 GM Financial Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been a XXXX customer for over 30 years. 

I currently have a home mortgage that is in default because of my business hitting hard times, an income reduction of approximately 90 % at its worst point and illness which took me out of circulation for over a year. I requested a short sale from SPS and have submitted several offers to complete it. We have had one problem after another with the servicer of this loan ( SPS ), including poor communication, no communication and taking substantially longer than standard practices allow to evaluate and close a sale. As a servicer - SPS should have issued a disposition on our complete file within 30 days. They have violated this standard several times. They need to be held accountable. They have not assigned me a single point of contact. I have not received any notices of such or any acknowledgments of my short sale application/process. 

For example, we submitted an offer to SPS a year-and-a-half ago ( XX/XX/XXXX ). It took SPS nearly a year to evaluate it. During that time the buyer was transferred by his employer to a different city and could not complete the sale. However had SPS moved in a timely manner the house would have been sold over a year ago for {$600000.00}. 

Last week we submitted another cash offer for the property and I was told on Monday XX/XX/XXXX, by SPS, that they would not consider the offer because the auction date is XX/XX/XXXX. 

I am writing to ask you to cancel the Foreclosure sale which is currently set at XX/XX/XXXX and allow the current offer, that we have submitted to SPS as the servicer of my loan, to close. There is no downside to anyone including myself, the buyer, SPS or XXXX of allowing this sale to complete. Please cancel the sale immediately and order an evaluation of this offer. I have done everything in my power to work with SPS not to lose this home to foreclosure. I do not want it to that route- I have supplied all the necessary documents they have requested in a timely manner. Please look into the violations they have committed as a servicer. If you dont, who will? If they had responded in a timely manner the last time we gave them an offer- this would have been a done deal. 

Loan # XXXX SPS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and Transunion the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}

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 2023-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
I have written letters via certified mail to notify XXXX that they are reporting inaccurate information and information that does not belong to me. I have also sent a notarized bill, state identification card, and letter for XXXX to update my address and personal information. My XXXX file should only show XXXX address. Information that is inaccurate or fraud should be deleted immediately from companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Santander Consumer USA Holdings Inc.
State: MD
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:
I had XXXX  XXXX, send for Title for car, from Santander USA, In XX/XX/2021. I called and talked to them on several occasions, from XX/XX/2021, Until this Day, when I requested again by Santander Email Address. This is XX/XX/2021. This car is just sitting, and rusting, because I can't get the Title, To get tags. They been lying saying Mdmva, didn't have an address. Only a XXXX XXXX XXXX Then They said it got lost in the mail. So can you Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
i see credit inquiries from capital one on several dates. i will list the dates below 2 inquirys on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I went onto XXXX XXXX and filled out their form for an electronic deposit from my XXXX checking account directly into my XXXX account for the year XX/XX/XXXX for {$6500.00}. I accessed my XXXX account on XX/XX/XXXX and did see my transferred {$6500.00}. I immediately contacted XXXX ( XXXX ) and spoke to customer service, XXXX, and then the supervisor XXXX and they said they did not see my money but would send this as case number XXXX to their operations department and that I would be contacted in 5-7 business days. XXXX verified the XXXX of monies as did BNY Mellon as occurring on XX/XX/XXXX. I continued to call XXXX and they continued to tell me that they are expediting my complaint to operations and that is all they can do. On XX/XX/XXXX I  sent XXXX an email stating I was escalating this complaint and I filed a complaint against BNY Mellon on XX/XX/XXXX. I was by given by BNY Mellon 's representative the name of XXXX XXXX and XXXX XXXX, who is in charge of XXXX. I have called her daily and she has never returned my phone calls, but today, XX/XX/XXXX, her receptionist asked me if " they had called me '' and I thought that odd. I asked who " they '' were and she would not say. So, my husband and I feel there may be fraud involved since this should have been an easy issue to resolve, but there is the fact that almost {$7000.00} of my money is missing and no-one can attest to where these funds are. Thank you for your assistance.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-08-17
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX  XXXX Balance : {$8100.00} ; XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 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 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 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 non-monetary relief
Consumer complaint received 2023-05-22
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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