BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Late fee

Complaint:
Received JCP Credit Card with a mere {$150.00} limit. Used it a few times over XXXX months or so. My credit score was XXXX. Just by using the card, because the limit was so low, my credit score dropped to XXXX. Then I had late payments to JCP because they would n't accept debit or credit card payments online or by phone! They ONLY accept checking account numbers and bank routing numbers online or by phone. Said I could visit XXXX of their stores to make payment - uh - I shop online and never go into their stores any more! After many discussions with JCP they finally accepted debit card payment by phone today ( not until my credit score was dinged another XXXX points lower ) but charged me more than {$80.00} in late fees. You 've got to be kidding! NO ONE gives their checking account and bank routing number for online payments because hacking is too prevalent. Use of a debit card draws funds from checking without exposing the entire account to fraud. If something goes wrong the debit card can be killed. Who does JCP think they 're fooling and why are they making it so difficult for consumers to pay their bills and charging late fees when we do n't want to provide the newly demanded information? Maybe it is just a way for them to collect a lot of late fees. Maybe they 're about to go bankrupt. Insisting upon direct bank account info as the only phone or online method of payment should be illegal! Call their payment line. Listen to the recordings. You will hear that checking account and routing information is required now. No options for plastic or money orders etc. This is a recent change by JCP. How dare they penalize me for declining to provide my direct checking information! How dare they hurt my credit score because I refused to give them direct access to my bank! I want all of my late fees reimbursed NOW.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-17
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
About a week ago, I received a letter in the mail stating that I owe {$560.00} to XXXX from a collection agency by the name of Convergent. A year ago I had the same situation with a different agency stating the same thing and found out my mother had used my social security under false pretenses, and they got into contact with her and she did pay off the debt. The company did call me back to report this and now this company claims that it was not paid. I believe this to be a scam, as they are stating on the letter that they will settle for XXXX on the letter, but will need {$450.00} to be paid in full. Their is also to addresses on the letter, XXXX from XXXX, XXXX XXXX and then a P.O. box of XXXX, XXXX XXXX. I am a XXXX of XXXX and this is causing me emotional distress, since this was settle last year and the account was shut down and they have complete access to her. Please contact me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: United Group Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I applied for a loan for a car XX/XX/XXXX the account was closed on XXXX XXXX XXXX and I paid them. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX the creditor United Finance did a hard inquiry on my credit and was not authorized to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I am being sued for Non-Payment, but all payments have been sent on time as agreed, the payment in XXXX was returned said no such address in XXXX error, I immediately mailed payment back, they acknowledge the received on XX/XX/2017, this was only XXXX business days late, then I received letter impending legal action as well for Non-Payment, the received payment pry to sending letter, I feel this legal action is unnecessary and unwarranted, I am continuing to make payments on time as agreed. I was not properly served, I found the Warrant some distance outside my residence, and mailed from Debt Collector at letter date. When I tried to talk to the Debt Collector after receive letter of impending legal action, she would not or could not stop legal action, and was unwilling to compromise or resolve this issue due to XXXX error, and just wanted to add additional fees, the Debt Collector was unprofessional, insulting, and among other statements said I lack common sense. If they are granted a judgment I will have insufficient funds for housing expenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently signed up to credit karma so that I can repair my credit. I noticed that I have XXXX hits on my credit from a collection agency regarding unpaid medical bills. I always have had medicare any time that I had seen a doctor. I contacted medicare and they said they do n't see any money owed. I asked the collection agency to give me the name of the doctors that they claim I owe, and they told me they do n't have that info that its medical data and that I owe that money to them. Please help, I did not visit these hospitals at all and if I had my insurance covers XXXXpercent. 

name of collection agency CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2015 WAS LAST REPORTED {$1500.00} {$3800.00} {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Optimum Outcomes refuses to remove inaccurate information off my XXXX report. The information was deleted from XXXX bureaus but not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Ballybunion Enterprises, Inc
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a loan with Military Credit Services. This company has a few affiliations. I am military and while moving from my past location to my present one I experienced significant financial hardship. I attempted to communicate this to their office to no avail and the account went to collections. 

Since then, with the intervention of CFPB I have a lower payment which has been made on time since XXXX 2015. 

Therefore my agreed payments have been made on time for XXXX, XXXX, XXXX, XXXX and XXXX ( 5 Months!! ) and the company updates my credit profile with " account in collections '' for all of these months!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
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: Account information incorrect

Complaint:
Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions for XXXX Card ending in XXXX ; permission was never requested from XXXX nor given to allow for the over-the-limit-fraudulent transactions. In addition, XXXX did not have methods in place to prevent the multiple fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Hopefully XXXX is now protecting their clients from thieves. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. XXXX states they will not share this information or do not have. This is America. Any information can not be withheld from the consumer if the consumer will then be held responsible. The theft resulted in account being closed, charged off, and then exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA. XXXX did not follow Section 1026.56 of Consumer Financial Protection Bureau.

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 2017-03-11
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
For several years I have received notices from Convergent Outsourcing Inc . According to the notices the debt is for XXXX. Although I admittedly owed XXXX nearly 14 years ago that debt has been paid. Not only was the debt paid immediately but I was also subjected to a state operated " bad check '' program which required me to pay for a course for unknowingly spending beyond my limit. In total I have paid more than {$250.00} for a less than {$50.00} overdraft when I was XXXX and I am still being harassed. I have explained this information to Convergent in the past but they continue to harass me. I have done research and apparently this company uses tactics to scam unknowing consumers out of money. It 's disgusting that our personal information has somehow fallen into the hands of this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Optimum Outcomes, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Optimum Outcomes is continually reporting that I owe debt to them. I have requested more information about the service and dates to verify I owe the debt and they are unable to verify the information. Currently there are XXXX items they are reporting and could possibly be related.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
About 6 months ago a collection agency began contacting me about XXXX and stated I owed XXXX over XXXX dollars. I advised that I did not owe XXXX that amount of money. In XXXX they placed a collection on my credit report. I contacted Convergent and advised that they were reporting a debt that is incorrect. They advised that I owed for XXXX lines of service. I advised that even if I owed for XXXX lines of service its no way I could possibly owe {$2300.00}. I requested that they send me an itemized bill of my charges. They said that they would contact XXXX and send me the correct amount. I still have not received this information and they can not provide me with an accurate bill. Also, this account is over 3years old and they have just placed it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Firstsource Business Process Services, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: GA
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2016-09-09
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested validation of debt dated on XX/XX/2016, company has failed to provided me with the documentation. The company failed to provide me with a notice to request verification of debt, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2016-05-25
Company: Convergent Resources, Inc.
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XXXX XXXX, 2016, at XXXX XXXX ET, I contacted Convergent Outsourcing, Inc. at XXXX to request a settlement for a debt. I spoke to XXXX XXXX ( ext XXXX ). He asked if I was authorizing to contact me on my cellphone in the future and I told him no. I contacted Convergent Outsourcing, Inc. again on XXXX XXXX, 2016 at XXXX XXXX ET and dialed XXXX 's direct extension to confirm a settlement letter would be sent to me. Again, I decline to give them permission to contact me on my cellphone. 

On XXXX XXXX, 2016 at XXXX ET, I received a phone call from XXXX. I do not answer toll free numbers and let it go to voicemail. No voice mail was left. I did however research the number on the internet and found that this number belongs to Convergent Outsourcing also reported as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive a notice that I even owed this debt. I do n't even know if it is mine

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 2016-06-21
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CMRE Financial Services Inc Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXXXXXXXXXX http : //www.cmrefsi.com Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CMRE Financial Services Incor any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE Financial Services Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2016-09-27
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a bill for an XXXX and now the collection agency is telling me that a 'MISSED ' payment was applied to " another account '' so I still owe them money. This is incorrect. They have either stolen a payment or misappropriated a payment. I set up over the phone a series of payments that paid off the entire balance in full. They cashed the first, third, fourth, etc.. payment and are saying that I did n't pay one of the payments. My bank statement documents the deduction to their account but they do n't want to acknowledge this.

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 2015-07-28
Company: BB&T CORPORATION
State: AL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
My complaint is against BB & T. The story begins back in XXXX of XXXX with my attempts to contact them to refinance my XXXX and XXXX mortgages because I knew that in the coming months I would not be able to afford both mortgages but might could if I combined them into XXXX. Despite numerous attempts on my part to get someone to contact me a out a refi, the time came when I was XXXX month away from having no more money to fall back on to make my regular payment. So I contacted their collection department to let them know about the impending doom. Since i was still current they could not help me, which I already knew but didnt know who else to call, so they transferred me to their loan modification department. I explained my story again and was told they could n't help me until I was already behind. I explained to them that XXXX Bank held the XXXX mortgage. They said do t worry about them because since they were in second position they couldnt take our house. When I finally had no other choice but to get behind I called their loan modification dept again. To make a long story short, after filling out the same exact paperwork XXXX TIMES and having them tell us on the XXXX XXXX attempts that they never received it, on the fourth attempt my husband stayed on the phone with an actual person until he received it via fax at which point we were told foreclosure had already been started and there was nothing that could be done. OF COURSE NOT!! 
Since that time which by this point was I think late XXXX, keeping in mind that I had to file BANKRUPTCY in XXXX to make this " go away '' or so I thought. Since that time they have " foreclosed '' on this house XXXX TIMES, didnt know that was even possible. XXXX of which were after I filed the chapter XXXX BK and they did send letters to us and run our names in our local paper each time. At the third attempt of their attorney contacting us, we had an attorney friend of mine send them a cease and desist letter. To NO ONE 'S SURPRISE they changed lawyers and contacted us AGAIN. They are going to run it in our local paper AGAIN! 
I will say this with 100 % honesty ; if I had known back in XXXX that it would take them this long to get their ducks in a row, I would have just lived for free in that house and AT LEAST it would not be in the shape it is in after having set for FIVE years basically unattended. 
This is ridiculous! It is unprofessional to say the least! I have NO CLUE how it is not perceived as harassment because LET ME ASSURE YOU I feel harrassed! Especially after I made every good faith effort I possibly could to work this debt out before it got to the point it did. 
The damage has already been done to me and my family by these .... People! Please investigate their heinous business practices and stop them from doing this to others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation