BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-02
Company: BB&T CORPORATION
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My account with Sheffield Financial Corp was opened XX/XX/2008 and paid off, they keep reporting the account on my XXXX Credit report even after I keep asking them to remove it because its over 7 years old.

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 2016-09-28
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I want to try this again since this company 's response is always the same. I do n't feel that this company is looking into this at all and I feel they are running an illegal practice in their collection agency. 
I have recently relocated to Mississippi for work and was informed by my attorney that this claim needs to be taken off my credit report per Mississippi Law. I have been fighting this company for over a year now with this claim. IT 'S NOT MINE. I am trying to buy a home as I am currently living with a coworker and trying to XXXX with me. So for the last time before I get my attorney involved take care of this claim. 
You claim you ca n't find me in your system, well here 's your info My account number with you is XXXX Your clients account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: National Credit Systems,Inc.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I NEVER lived in North Carolina. So how can l be charged for something l dont know about. 
Yes l had family there and still there.l just recently got an INCOME. I HAVE NOT DID ANYTHING TO OWN ANYONE. SOMEONE MUST HAVE USED MY NAME.I AM NOT RESPONSIBLE FOR THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I was living in XXXX XXXX OH for 3 years. I have moved out to new location. after few days settlement charges are sent. It was {$710.00}, an unbelievable high charge. one of the item that an electric stove was asking {$480.00} dollars by saying reason that spoiled by me. Actually I used to cook at last day also there. I opened top cover to cleanup before moving out. the new similar stove in market is {$350.00}, also apartment given me old stove that have an appraisal value of {$150.00}. 

I did a party at leasing office and management not given deposit money they agreed to give back after party. the reason saying that candle wax melted and spread over there. it was a XXXX yesr child birthday party we used a cigarette size XXXX candle that is not sufficent to fill entire area. any way money is not returned back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
want to cancel my membership and am unable to do so. I work for the Federal Government and they recommended I request a free credit report through XXXX. I signed up for through this website XXXX and did not receive any information on how to cancel membership. My bank is being charged {$17.00} a month by TU TransUnion and I want it canceled now. TransUnion said they have no record of my account but their name shows up on my bank statement for the draft. If I do not hear back from Annual Credit Report, I will report this as a fraud to all credit reporting agencies and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have filed a few other complaints related to this situation. My payments on the loan I received from One Main Financial were not correctly applied to my balance. And after I filed my initial report with the CFPB, they stopped sending me bills. I figured the complaint I filed with the CFPB had motivated the company to correct their mistake and finally properly apply my payments, making the loan paid in full. So to be sure, I called One Main Financial. I was told my account had been charged off. But, they never sent any mail notifying me of this. I was then transferred to a recovery department. The representative I spoke to told me she could n't give me much info about my account and someone would have to call me back in a few days. It 's been almost two months. I called back today and was just transferred around to several different operators as well as given very different phone numbers for what was supposed to be the recovery department. I finally spoke to XXXX representative who told me the reason I was probably being rerouted back to the main number is because the recovery department goes to lunch XXXX However, I think it 's still ridiculous that no one could give me answers about my account. I want to know what type of consequences the company can face for stopping my bill statement and then charging off my account without notice. They have the title to my car also. Should I get a lawyer? This was a very bad loan, if I pay back the entire amount they are requesting then my interest will have been 100 %! I borrowed {$6000.00} and they want me to pay back {$13000.00}! Please help. My sister is in college and neither me or my dad can co-sign a parent plus loan for her because of this predatory loan One Main Financial misleading led us into. It 's not fair. i 've paid quite a lot on this loan and I 'm just ready for this to be resolved so i can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Experian Information Solutions Inc.
State: GA
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 Several occasions I have submitted a dispute to all 3 Credit bureaus, Experian, XXXX, and XXXX about a debt of XXXX that's on my credit from a company named XXXX. I've asked for verification and all I keep receiving is a statement, nothing else. No signature, or SSN .I 'm pretty sure this is not enough evidence to prove this debt is mine.I have attached the statement that was sent to me

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 2016-10-27
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Company of original debt, XXXX and it 's collector, Credit Management Company were both notified multiple times that the debt had been satisfied. Entity and collector were provided with receipts and emails from practice manager indicating as such. Company was sent notice on XXXX XXXX, 2016 to cease and desist collection efforts. Company sent that notice back to us with an envelope demanding payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't stop charges to bank account

Complaint:
I got a loan with One Main XXXX XXXX. for I think $ XXXX ( Ca n't find statement for initial letter. I have fallen on hard times and called them XXXX/XXXX/XXXX because I noticed that as of my statement on XXXX/XXXX/XXXX I still have a balance of {$1900.00} left. This is ridiculous after all this time. I called the company and explained I could n't pay the loan anymore and to come get my car. The company waited a couple of weeks then called me back and told me the would not come get the car and I stilled owed the balance. This does not seem fair. I am on XXXX and I feel that I am being taken advantage of. They call my phone at least 5 times a day and will not just come get the car

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: GA
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 Several occasions I have submitted a dispute to all 3 Credit bureaus, XXXX, XXXX, and Equifax about a debt of XXXX that's on my credit from a company named XXXX. I've asked for verification and all I keep receiving is a statement, nothing else. No signature, or SSN .I 'm pretty sure this is not enough evidence to prove this debt is mine.I have attached the statement that was sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Certainly, I got a letter from Solmon and Solmon Pc Debt agency that I owed {$6200.00} to XXXX BANK, I have never heard that name. Letter mentioned that I have XXXX but I have never applied XXXX or had it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: American Coradius International LLC
State: CA
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:
This is a totally phony attempt to collect a debt that does not exist. I see on the Internet that this company is known for scamming people by trying to collect on imaginary XXXX debts. Please prosecute them and put them out of the collection business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Choice Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never been to this hospital I am a veteran I go to the hospital for free

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX account is incorrectly reporting in my name. It is attached to an apartment complex address where I have not lived. Disputing from my current home address, and XXXX XXXX sent documentation showing a different name on the account. I have sent several disputes to Experian to have this removed. All I have received are automated responses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I had my credit score ran 2 times by Spring Leaf and I never gave authorization to run my credit. When I called the office they gave me another number to call. When I called that number, they looked up my account and said I had to send them proof or they were not going to take it away. They said it really was n't on there, but when I looked on my credit report it was, 2 times.they blew off my complaint by minimizing my findings, saying it was n't on there the credit report is wrong, I had to tell them multiple times. This was around XXXX, I threatened to contact cfpb and hung up the phone ... ..now near XXXX same day, I checked and the inquiries are gone, but the fact is they STILL ran my credit without my persmission and I think they need some sort of repercussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Firstsource Business Process Services, LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this acct is showing up on my credit report when it is not mine and yet it has not been removed i have faxed copies of my information police report / id theft affidavit and identification in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
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:
On XXXX XXXX, 2011, I was arrested by XXXX XXXX XXXX District Attorney 's Bureau of Investigation. Before booking me at the XXXX at the XXXX, booking number XXXX, I was taken to the XXXX hospital to be check out. Why that was done I do not known? But since I was in handcuffs, I had no say so in the matter. All so, I would like to point out that at the time, I had my own Doctor. His name was XXXX XXXX XXXX located in XXXX, ca. Since 2011, I have tried to resolve this issue with CMRE Collections but to no avail.I have letters and information verifying everything I had said. In fact, I sent CMRE collections a letter showing that I was in police custody at the time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Optimum Outcomes, Inc.
State: GA
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 have notified Optimum Outcomes that I was a victim of Identity Theft and I provided Optimum Outcomes with a Identity Theft Affidavit. To date, Optimum Outcomes has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX I mailed CMRE a demand for validation for an account they had reported on my credit report. The company has failed to provide me validation of the account and perplexingly replied and asked that I was responsible for providing you with more information and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

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 2015-05-27
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Within a span of almost two weeks, the subject caller has placed several calls to my cell phone and home phone numbers from various local area codes, even tough the company is located in XXXX, WA. In addition, the company has failed to provide the 5-day notice as required by the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Several occasions I have submitted a dispute to all 3 Credit bureaus, XXXX,  Transunion, and XXXX about a debt of XXXX that's on my credit from a company named XXXX. I've asked for verification and all I keep receiving is a statement, nothing else. No signature, or SSN .I 'm pretty sure this is not enough evidence to prove this debt is mine.I have attached the statement that was sent to me

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 2016-02-22
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I disputed my responsibility to the debt, I had an insurance added to both of my accounts. Which prevented my from the obligation of the debt. If the following occurred, loss of income, accidents, and XXXX. In 2014 I suffered such lost, my creditor refused to work with with me. Even though I paid them for 5 years a XXXX dollars a month extra with each payment for this protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call repeatedly. Sometimes 2 or 3 times a day. When I answer they hang up. If I do n't answer, it goes to voicemail and they do not leave a message. If I call them, it hangs up. 

After about a month I decided to call until I got someone on the phone. After several calls, I got an automated message telling me someone would be right with me. When it finally connected to someone, they hung up. After repeated attempts, I got a person on the phone. I repeatedly asked that they identify the company and they refused. Only after I identified myself and threatened to report them to our Attorney General did they identify themselves by name only. When I asked the purpose of the call, their only response was to ask information about my paypal account. When I refused, they hung up. 

I researched the company online. They are a debt collection company. As such, I feel their actions are a clear violation of the Fair Debt Collection Act. Specifically, subsection 806 Harassment or Abuse. They repeatedly called, only to hang up when someone answered, which can only be considered an intent to harass. Also, they placed calls without meaningful disclosure of the their identity, and when requested to identify themselves, they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Medical Recovery Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
I spoke with XXXX XXXX and they stated to me I was never late on my mortgage and sent me a statement showing I was never late. But the credit reporting agency is showing late payment even after sending the statement to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX at XXXX hrs I received a call stating I owed an amount on a XXXX which I know nothing about. I called XXXX and they had no knowledge of it. The number on a reverse look-up showed it to be convergent outsourcing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When i was in defualt i was called and said if i do the rehabilitation program it would remove all information regarding my past negative student loan information reported to all XXXX credit agencies. The guy on the phone insisted this would happen and siked me all up about it i did default on my loans from nelnet. And now navient purchased my loans. And neither one is claiming anything would be removed only tge status will change to transfer. 

This is really misleading. I was under the assumption this would be removed and a year later still there. I think they need to stop promising this to people and get there money when they get there money. Im still paying everymonth on time but its just making me want to say forget this get your money when I die. I have other larger problems like taxes i have to take care of. 

Something should be done they should not be able to say that to people. I was hoping it would better my financails and i could get a good interest loan to help consolidate my debt then eventually buy a house some day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
1. I have received bad data regarding my private student loan. I tried to process a request for automatic debit from my checking account. I thought it was processing but I was still receiving calls and was told I needed to pay a payment in order to process my automatic debit. I paid a payment and fond out my loan request has still not been processed. 

2. I have been receiving phone call past normal hours of collection per Missouri state law. I have rerecorded all call and will be submitting another complaint with phone recorded and a letter from my lawyer. 

3. Due to the switch from XXXX the Navinent and the change in payer accounts this has cause my private loan payment to delay. I have tried to resole this through the customer line but was told nothing they can do. I do n't feel proper notice or time was given for people to switch over bank account info and online payment methods. 

4. The current int rates for my private loans is way above the national average and the rates my other private loans are. I have tried to resolve this with navinet but have been unable to resolve this. I 'm working with class action with a number of account holders on this very topic so I expect not to be over charged or charged more than someone else for Private student loan int.

Company response to consumer: Closed with non-monetary relief