BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: Convergent Resources, Inc.
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:
I received a notice in the mail on XXXX from Convergent Outsourcing , Inc. stating I owed a debt to XXXX. On my credit report from all three major credit reporting companies that I had an account opened with XXXX in XXXX of XXXX. 
I sent a letter via certified mail to Convergent Outsourcing, Inc. on XXXX requesting verification of the debt owed. They mailed me documentation on XXXX indicating an account from XXXX had a remaining balance. However, in California, I understand the statute of limitations on debt collection is only 5 years? 
I am confused as to what my next step would be and how to get the negative information removed from my credit report as it is inaccurate. So it 's not exactly that they are trying to collect the wrong amount, but it is that non should be owed because the debt is from 6 years ago. 
Please provide some assistance. Is this illegal and aggressive debt collecting or am I misinterpreting the situation. The fact that they purchased and opened this debt in XXXX and reported it to the credit reporting agencies as an unpaid account opened with XXXX before I had received any communications about the debt or had any chance to dispute it seems unsettling. 
Thanks. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TH Professional & Medical Collections LTD
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
TH Professional put XXXX collections on my Credit Report and when I called to ask why they said some new debts came through. I stated that I had not received a bill so why are they putting collections in my Credit report. They said they would send me copies of the debt. I received a letter from them indicating the amounts they said I owed but there was no date of service and no patient name. I did not receive a notice of right to dispute in the letter - so I sent them one back disputing the debt and asking for additional information ( i.e. dates of service and patient name ).

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 2017-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I did not complete an order with TransUnion ( no 'complete ' or 'finish ' button was hit, I exited the website before completing any transaction ) yet my card is being charged, there is no way to remove my card from the account, and they will not cancel my subscription until XX/XX/2017. There are no resources to deal with this issue. I am being cheated and am concerned this con site will charge my card further since I can not unlink it or completely delete my account.

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 2015-08-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was a victim of the 2012 Government shut down. This was known as Sequestration Furloughs. I wanted to make sure I made sure every creditor know I was trying to address my accounts. I was made aware that USAA a company that I had my vehicle loan with was offering members that were affected by the furloughs was giving 2 months relief on their loans. I spoke to a service member by calling the XXXX #. I was informed that I would not have to pay my vehicle loan for 2months. After the two month period I started making my payments again. I notice after reviewing my credit report that the two month relief period was not honored and I was behind on my loan. I contacted USAA again and was told that I was not set up on this option. I have contacted USAA on multiple accounts to try to resolve this issue. I do n't not think it is my fault and not be punish for a representative giving me the wrong information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Diversified Consultants, Inc.
State: VA
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:
There is another attempt to collect a debt that I do not owe, which has resulted in a breach of contract services and/or interruption of service since XXXX XXXX, 2016. Contracts indicate that anytime when there is an interruption in services the contract is extended by same time frame that the services are interrupted. All bills have been carefully reviewed and no additional funds are required as there has been no service rendered and the specific request are for an early termination fee that the consumer did not consent to her services being interrupted or terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been diligently trying to close out and reopen an account that has been compromised several times first by Debit Card now by ACH. I opened an ACH claim sometime ago and the fraud issue was resolved. I was told the account was to be closed but that never happened. After trying to open a new account I was told that because of the excessive overdraft ( which was caused by fraud ) I was not able to open a new account but I could keep the compromised account open. Since then my account has yet again been compromised. I spoke with someone in the CEOs office today whom was supposed to handle the issue however she continued to push blame and offered no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Optima Recovery Services LLC.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed this debt that I do not owe with a company named Optima Recovery Services. I have filed several disputes with Experian and they have yet to correct the derogatory information on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Fraud was reported to my checking account with USAA within 24 hours of it happening on XXXX XXXX, 2015. Failure to respond to this with any adequate security measures, led to XXXX more fraudulent transfers to occur, insufficient fund charges to happen, and returned item fees. When the checking account became overdrawn by {$4900.00}, USAA allowed my " overdraft protection '', linked to my credit card account with them, to make {$5900.00} worth of cash advances to my checking account to pay off these fraudulent transfer of fund. I am now being held liable because I agreed to have the USAA Credit Card be my overdraft protection and because I stated that I may have been a victim of identity theft or an email phishing scam, they are making me liable. I believe there was a very convenient reason that they made this land on my credit card, instead of leaving this with the checking department to be resolved and disputed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-11
Company: First Data Corporation
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
TeleCheck is declining my checks for even the smallest transactions. XX/XX/XXXX at XXXX in the amount of XXXX at XXXX XXXX XXXX. The reason they say is insufficient history and will not guarantee any checks will be processed. As I am awaiting my debit cards in the mail, XXXX days, I have no other form of payment and this company is unjustly holding my money hostage. I have good credit, own XXXX homes and have a significant balance in my checking account. Therefore, I have good credit history and should not have checks declined for {$69.00} and is completely embarrassing to approach a check out with a carriage full of groceries and be declined! 
In researching, the issue numerous people are complaining about these same issues and something needs to be done. I see TeleCheck was fined XXXX in XX/XX/XXXX for this same issue and they have not improved. Either they need to get their act together or be subject to additional penalties and/or taken over by a competent organization. 
If reasonable resolution can not be found with this company I will also be contacting my lawyer to seek punitive damages as well as contacting my senator.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-11
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
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:
RMCB is attempting to collect on a supposed past due charge for XXXX. Neither I nor any member of my family has ever purchased XXXX, especially on credit. This is completely fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Orions Management Group, LLC
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XXXX/XXXX/XX/XX/XXXX XXXX XXXX working for Orions Management Group L.L.C. Group called me at my employer. I could not talk so I gave him my phone # and he gave me his as ( XXXX ) XXXX and said I would call back. When I did the same day XXXX minutes later during my lunch at XXXX XXXX he threatened to take me to court and tag on hundreds of dollars in court fees. I asked him to send it to me in writing and he refused to do so. He threatened to send it to his attorneys right now if I did n't comply right now with a promise to pay. I gave him my credit card # and e-mail but no specific day he can charge it nor an amount and said I would call back. I did research and learned the statute of limitations for suing me started the XXXX time I missed a payment which according to my credit report was XXXX and as of the day XXXX XXXX called me the item was seven years old and a Time-Barred debt. I called XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX and asked him if he could sue me for a debt that had run the statute of limitations of XXXX years in my state Washington and he told me he could because the statute for this item started on the Charge off date which he said was XX/XX/XXXX. He then began raising his voice and speaking very fast saying he could charge my card right now or forward it to his attorney and I have n't given him verbal or written consent to do so. I disconnected the call without another word. I sent him an e-mail to clarify what he said on the phone on this same day XXXX/XXXXXX/XX/XXXX and to request this debt in writing. Instead of responding he called me at XXXX XXXX and XXXX harassing me while I am at work and unable to come to the phone. He sent an e-mail reply ignoring my questions and said he would send his settlement offer and that is all I received. After this I sent an e-mail again requesting he respond to my questions and he replied I would have to call him to discuss. To summarize XXXX XXXX threated to take me to court, garnish my wages if I do n't pay on a Time-Barred debt and when asked specifically about his right to sue me he provided false answers and threaten to charge me card for which he has authorization to do so. He caused me undue stress with his false statements and it has adversely affected my health and peace of mind. He is harassing me and using unfair collection practices which are prohibited by Federal Law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
About a year ago, I financed services through XXXX XXXX XXXX through XXXX XXXX. Roughly a year ago, XXXX XXXX XXXX abruptly closed and I never recieved any of those services. XXXX XXXX has since started harrassing me to collect this debt. I have expressed to XXXX XXXX that I did not recieve any of the services and their response was that it was not their problem. They also threatened to use legal action against me if I did not pay. I then told them that I will contact them to reach a resolution and until then I do not want to be contacted by them. However, they have continued to call me repeatedly using the telephone number above and various other phone numbers. It has become increasingly difficult to use my phone because of the number of harrassing calls I keep recieving from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Phillips & Cohen Associates, Ltd.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a complaint from XXXX XXXX against Portfolio Asset Group for Portfolio Asset Group 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, Portfolio Asset Group. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hi, I used " Rural metro - Ambulance '' service on XXXX XXXX XXXX for my daughter. I provided with my insurance information to the people in the Ambulance when they took all my information but it was never cascaded down from there. Months after the service, I got a bill from XXXX of California asking me to pay the bill of {$1700.00} or Provide my insurance details. I provided them with my XXXX insurance after checking my coverage eligibility with XXXX. For almost a year, XXXX of California submitted the claim to XXXX 3 times with incorrect diagnosis code which was pointed out clearly by XXXX but yet, the same claim with incorrect code was again n again sent to XXXX by XXXX of California. Recently I got to know that XXXX XXXX has handed it off to Collection agency ( Credence resource management ). I called the collection agency on Friday ( XXXX XXXX XXXX ) and provided all my insurance details and today morning ( XXXX XXXX, XXXX ), I went ahead and did a three way calling between the insurance agent ( XXXX ) and the insurance agent in the debt collection agency ( Credence ) to explain the root cause of the problem so that they can address it and send the correct claim to XXXX. 
After my multiple discussion with Credence resource management in last couple of days, I feel that the information that is being told to them is not properly documented and cascaded across their departments. 

For instance, I provided the insurance #, address of the insurance company etc. to them during my conversation, however they mentioned to XXXX during my three way call saying they do not have any info on file. This is one of the many problems I have experienced with the Debt collection agency. Also the collection agency insurance agent tells me that I have to wait for 30 - 45 days so that they can prep all the information needed to be sent to XXXX for processing the insurance and I m worried if anything will be messed up again. 

This has become my part time job to make sure XXXX XXXX XXXX or right now the collection agency talks with our insurance company and typically both XXXX XXXX and this collection agency expects me to literally do the three way calling and just be a middle man to make both of them talk. It is extremely frustrating experience so far and I m worried how this process will even end. 

Request you to please look into this issue and reach out to me if any questions. 

Here are my details. 
Name : XXXX XXXX Creditor : XXXX Creditor Account number : XXXX Creditor Reference Id : XXXX Balance due : {$1700.00} My email : XXXXXXXXXXXX My Phone : 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 2021-03-17
Company: EQUIFAX, INC.
State: CA
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:
Equifax & XXXX are violating Metro 2 XXXX for collection companies NOT reporting where the debt is coming from ( Original Creditor ). It clearly says in Metro 2 debt buyers must report the original creditor Name. This lets the consumer know where the debt is coming from. I have disputed this violation with XXXX and Equifax. They both refused to fix, delete the collection account from XXXX XXXX XXXX and XXXX XXXX. That is reporting the account inaccurate. I have attached the violation and the Metro 2 policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: JH Portfolio Debt Equities, LLC
State: FL
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 continously tried to contact this company to no avail, I very no knowledge of this debt and I would like it removed from my credit report. The credit bureau keeps responding verified but can not seem to show me how they verified this account belongs 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 2017-03-29
Company: Kriya Capital, LLC
State: GA
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:
This company has reported to a credit bureau that I currently owe debt to a phone company I have never had. I 've contacted this company to have it removed and for them to cease contacting me and they have continued to harass not only me but my family friends and MY JOB! I have dates and times of recorded voicemails that I have forwarded to my lawyers to prepare to file a class action lawsuit against this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Collins & Hilton Asset Group, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have submitted disputes through XXXX they have not sent me a contract showing they lent me something or provided service to me and I agreed to do business with them, that it needs to be deleted. I have told them that any contract with me has to be between the accuser and me with both of our signatures. I have no knowledge of this company, have never contracted with them, they are strangers to any transaction with me and are not qualified to claim that I owe them something under the XXXX of XXXX. 
I have disputed this with all XXXX credit reporting it has been deleted on XX/XX/2015. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them.So, that is why it was deleted and now XXXX year XXXX months later they are trying to collect again on a debt when does it end it 's like a merry go around and harassment because now I have to go through the process again in order to get deleted and will just like before the time and effort us consumers are faced with these collections agencies for what nothing but wasted time and I value my credit and it 's very important to keep onto of these collections agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation