BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-27
Company: Continental Services Group, Inc. d/b/a ConServe
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After an audit of historical certifications of GI Bill benefits I used at XXXX institutions, the VA determined that I was over-certified at all XXXX institutions, over several semesters. At all stages I committed to paying the debt, but only when the VA determined the entire amount owed. However, the VA began collections on portions of the debt before a total amount was certified. By the time they had stated a total amount owed, they attached fees and penalties to that amount, and had transferred portions to the Treasury Dept. and they in turn to private collections companies Conserve and XXXX. I attempted to set up a payment plan for the total original amount of the debt, but that was rebuffed. I later offered to pay the entire debt in full, minus the fees and penalties in a one-time payment, but that was also rebuffed. I contacted the Treasury to get an itemized statement of the debt and they did not respond. At several points during the transfers of the debt, I was on XXXX XXXX orders with the military, as I currently am, and I believe the SCRA applies. Inaccurate and misleading reports were made to credit agencies concerning this debt, and my credit has been negatively affected, some aspects of my military service have been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX AGENCY : XXXX XXXX XXXX BUSINESS TYPE : BANK CREDIT CARD DATE OF XXXX : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

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 2017-11-21
Company: ClearPath Lending
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/2017 I was contacted by Clearpath Lending in an unsolicited mail offer stating that I could use a VA backed refinance to lower my interest rate. They stated that I could use a hybrid loan that started at a 2 % interest rate with deferred payments for two months but that in 3 years the mortgage would convert to a variable rate and would increase by one percent per year to a maximum of 5 percent. They also stated that this would not happen and that I would have nothing to worry about. They tried to sell me that the markets would not be good enough to allow an increase in percentage. They also stated that the VA guaranteed that the loan terms and that the 5 % was a cap that the VA guaranteed. They used their VA loan number to assure me that they were legitimate and that I was getting a good deal. 

They were very vague with the terms of the loan and would not allow me to see any legal documents detailing the loan agreement before I signed the paperwork. I fear that any other veteran may have fallen for their promises and would be stuck in a predatory lending scheme by clearpath.

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 2020-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
About XXXX dollars has been taken out of my account and i dont know how. Please help i need this money back thanks

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 2016-02-17
Company: Automated Collection Services, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received the attached threatening email from XXXX Manager XXXX XXXXXXXXXXXX XXXX but in the content it listed them as ACS Inc. No phone number, no name of person, no address, nothing specific in their details about this debt except to threaten that if I do n't respond to the email within 48 hours I will be arrested or put in jail for fraud and they sited Case No : XXXX. I enrolled in a settlement program a long time and all my creditors were given to that law group and notified about my situation and advised to contact the settlement office to discuss payment arrangements. I do n't know who ACS or XXXX is but I 'm sure that whoever the creditor is, they were notified in writing and have the option to set up a reasonable settlement on this account. At this time I am speaking with an attorney regarding Chapter XXXX for all of my debts. This situation was brought on due to a serious medical condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: TX
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 XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states consumers agency can not furnish a account without my written instruction

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 2022-05-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I was a Victim of a XXXX list scam. I sold furniture online to a person claiming to want to purchase it. They sent me a cashiers check from XXXX XXXX XXXX XXXX in the amount of {$1700.00} to cover the cost of goods plus prepaid delivery for the furniture. They then requested that I pay the delivery company called XXXX XXXX XXXX XXXX based in XXXX XXXX for the moving fees in the amount of {$1500.00}. Which I did via the XXXX app from Chase Bank. The funds I sent them went through. The moving company never showed up and appears to not actually exist. The cashiers check bounced days later despite showing as available funds in my account after 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: LEXISNEXIS
State: IN
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:
15 USC 1681 section 602 A 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 mt written instructions, in addition they also violated 15 USC 1692c ( a ), and 15 USC 1692b ( 5 ). Documents uploaded shows proof. Accordance with the fair credit reporting act XXXX accounts were violated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: First National Collection Bureau, Inc.
State: MN
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Car was repossessed in XX/XX/XXXX. They came and got the car, and sold it for less than market value, market value at the time was XXXX The original debt was XXXX -sold car for less than {$1000.00}. NOW they say today XX/XX/XXXX ( 18 years ) I owe {$12000.00} ( caller of collection agency -said this ) This is the XXXX collection agency to purchase this debt. Letter received says I can settle his debt for a mere $ XXXX! 
Agency is First National Collection Bureau , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: State Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I dispute this debt because my XXXX machine is paid off completely and has been over-billed and paid for based on previous correspondence with XXXX and XXXX XXXX. This was paid for in 2013 and now all of the sudden they are trying to get us to pay for it again. 

XXXX XXXX confirmed that the XXXX rental was converted to a purchase on XXXX/XXXX/2013 and was paid off, at most I would ever owe the insured percentage not covered by insurance which would be less than or equal to {$83.00}. This amount was covered by my original payment to you. This information was verified on XXXX separate occasions by XXXX XXXX employees XXXX, XXXX, and XXXX. 

Furthermore, my {$500.00} deductible was met after 3 months of rental payments and thus the remaining payments should have been billed to and paid by my insurance, XXXX per their policy and the pre-authorized agreement. 

I have spoken to this company multiple times and they have stated they will resolve the issue and instead of resolution I get another bill and it has been sold to a debt collection agency. This is beyond unprofessional and is a fraudulent attempt to steal more money from myself and the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX XXXX TYPE : AUTO FINANCING DATE OF XXXX : XX/XX/2021 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

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 2016-03-07
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
When sending in payment, I completed the coupon at the bottom which states Payment Amount Additioanl Principal Amount ( you want to to pay towards your princpal ) _____ Total However, I have just discovered that any time I have paid an additional amount towards my Principal it has not been applied towards my principal I was informed you have you have to call for that but they have a section at the bottom of the coupon for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: KY
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 filed bankruptcy on a property I had a mortgage on which was discharged. That mortgage company sold the account to XXXX XXXX  so it reappeared on my credit report. I have documentation from XXXX XXXX  acknowledging their error and I also have a copy of my bankruptcy papers which has been discharged years ago and Experian still refuses to remove this. In the meantime, I have emailed XXXX XXXX regarding this issue.

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 2016-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
After sending a certified written letter asking for validation of a debt, the company started nuisance calling relatives. Repeated phone calls with no one responding when the phone was answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a new cellphone number, last person who had number is the debtor. I have been getting calls over the years regarding debt-told them to stop. They stop & start up some time later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Bought XXXX  gift card from XXXX XXXX store on XX/XX/22. Tried to activate card and was told card was inactive even though I had the activation receipt from purchase. 
XXXX can not help with issue once purchase is made. 
I called the number on the back of the card and after waiting and being disconnected several times with a total of 7 hours of combined time on the phone, a representative told me the card I purchased was compromised prior to me buying it from the store. They said they would mail me a new card. 
The replacement card was never sent and I have attempted contact with visa several times with no success. Wait times are over 1 hour.

I just want my money refunded to me..

Its been over 3 months they have held my money. This is borderline fraud!

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 2022-05-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XX/XX/XXXX, XXXX CREDIT & VERIFICATION, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I wrecked my XXXX XXXX in XXXX of XXXX and my insurance company total loss the car. My insurance company called Santander Consumer USA and worked out an agreement with them to do a settlement offer to payoff the balance and to release the title. Well Santander agreed to accept the settlement offer from the insurance company accepted the check from my insurance company and released the title to them. I received a letter from Santander on XXXX XXXX, XXXX stating that they are notifying me that Santander Consumer USA Inc. has provided the appropriate party with a release of interest document as required by the state, they also said they thank me for my business and they hope that I will consider using them again for any future financial needs. This letter basically stated that my account was paid off by the insurance company and they released the title to them. Well this letter was sent in XXXX, in XXXX I started getting collections calls at home, my cell. and at work. I have explain to them that I received the letter that the account was paid off by my insurance company and the car is not even in my ownership anymore, they released it to the insurance company. Santander is still calling and saying I still owe a balance of XXXX XXXX and some odd dollars. I need Santander to close out this account before any late fees are added and also update my credit report with all XXXX major credit bureaus, stating that the account has been paid and closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-27
Company: LDF Holdings, LLC
State: KY
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I have stop payment on Lend Green due to finding out they are not regulated in the state of Ky. I went into my bank, XXXX XXXX XXXX XXXX, on XXXX and put a stop payment on them but they went into my 2 weeks later under alternate originator number. I have sent an email to the company to stop all ACH and I filed a complaint with Ky XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
SANTANDER CONSUMER USA XX/XX/XXXX SANTANDER CONSUMER USA XX/XX/XXXX SANTANDER CONSUMER USA XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX I took out an auto loan with XXXX, which is now Santander bank. XX/XX/XXXX I filed for chapter XXXX bankruptcy and included the remaining car payments in my bankruptcy payment. My case was closed and a discharge was granted on XXXX/XXXX/XXXX. I have been calling Santander for about a month requesting the title to my loan. The latest excuse was that they do not have the title and they put in a request to XXXX to release the title. This confuses me since XXXX XXXX is now Santander. I am hoping that I can find some resolution to this since I would like to trade my car in within the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Selene Finance LP
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This loan closed as a short sale with XXXX XXXX XXXX on XXXX/XXXX/16. The file closed, XXXX XXXX XXXX was paid, there was no money owing to them. Then recently the loan was transferred/sold from XXXX to Selene Finance. The loan should not have been transferred. Selene is now contacting the seller requesting payment and have not confirmed that the loan is paid. They are threatening foreclosure too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 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 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 crime 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 a 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