BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-24
Company: Diversified Consultants, Inc.
State: TX
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 have advised this collection agency via certified mail that this debt they are attempting to collect is not mine, but is a result of identity theft. I have never had a service with XXXX. I included all police reports and documents in the certified letter sent to this collection agency and advised them to cease and desist due to fraud/identity theft. This is NOT my debt and the collection agency must cease and desist any and all harassing collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am not receiving the benefit of the service I am paying for. 
Customer Care Department will tell me that I need to contact disputes department because I have pulled my credit too many times they need to unlock something. Disputes department will tell me that I need to contact the disputes department because there is an issue with the name on my file. I have been going in this circle for four days. I asked to speak to a supervisor the supervisor transferred me over to a representative that said he entered a ticket number. He would not provide me with a ticket number. I asked to speak to a manager ... he put me in contact with a floor supervisor XXXX : Employee number XXXX. She provided with a ticket number that the rep would not provide me with : Technical Ticket XXXX. I explained that I am paying for Equifax Complete Premier Plan, and requested a refund for the down time. She explained that the technical department would do that. I explained that I never received my credit from the last time. Last time this occurred I did not have access for two + weeks. I asked if she could look into her system to tell me how long this was down for. She would not. My complaint is that I am paying for a service that I am not receiving the benefit of. Nor will they credit for down time. They can view their records and now how long I have not had access.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Diversified Consultants, Inc.
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 is not mine

Complaint:
An collection was placed on my credit report for XXXX in the amount of {$940.00} by XXXX XXXX XXXX XXXX. The collection was disputed and removed by all credit agencies. Less than 2 months later, Diversified Consultants resubmitted the XXXX collection, now for a different amount of {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: LD Holdings Group, LLC
State: HI
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am have been working to get a mortgage for over 2 months now. The lender, Loan Depot, has been slow the entire time and takes days to review a single document. We 're finally at the Final Review stage and now they come up with more things that could have been done weeks and weeks ago. This lender has done nothing to help move along the process and has in my estimation, held up the loan with their service. My broker tells me they are short staffed and got a whole bunch of mortgages because the rates are low. But do n't they have to have some sort of time frame to get things done in? Are there any federal or state guidelines? The contract I signed with the seller expired on XXXX XXXX and she was ready to cancel. I talked her out of that by going to another lender locally here in XXXX. This was XXXX weeks ago. The new lender, XXXX XXXX XXXX has been much better. They wanted my appraisal and began the process of transferring it over from Loan Depot. No surprise, but Loan Depot delayed sending it over for a week after XXXX sent all the request paperwork to them. Loan Depot was still trying to keep my loan with them. Everything they have done has taken longer than it should have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: LD Holdings Group, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home with XXXX XXXX. I was charged XXXX % ( XXXX Point ) to reduce my rate. This should appear om my year end mortgage interest statement XXXX. I have called Loan Depot multiple times to try and resolve this waiting on hold for hours ( cumulatively ). They refuse to correct this error. They keep giving me the excuse this was paid to my " title Insurance company ''. This is a lie. I just want a corrected XXXX that reflects the points I paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company called " Convergent Outsourcing , Inc. '' continues to send letters requesting payment for {$1100.00} for an account I never had and purchases I never made. I have never heard of this company or the merchant they claim to represent. I believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
After multiple requests, Evergreen Professional Recovery has contacted me during working hours to try and collect a debt. I 've tried working with them and have let them know when they can call me ; however, they continue to call during those hours. The response I received from the representative when I told them when they could call, which is during their business hours, was simply unacceptable. Never should a representative say they wo n't call when the time that is given to them is technically during business hours. I even let them know and asked them to make a note that if they called during the hours I work I would seek legal action as it disrupts my job in 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 2015-09-13
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am submitting a complaint on Convergent once again because they are illegally reporting a collection on my credit that is a result of the identity theft that occurred on my credit. In 2014 I disputed this debt with them and the debt was removed from my credit profile and once again they are reporting the same debt on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have fraudulent activity on my Chase credit card. I reached out to them for help & they denied to help me. I hired an investigator to assist me who understands the banks rules & regulations. We sent the information to Chase Executive Offices for help & they sent a letter saying they still cant help me to return my money. We have documents showing the merchant is fraudulent & has been banned from XXXX Continents for fraud against U.S. consumers. 
I am a XXXX & a military vet. We wouls appreciate if you can assist in my case. 
We have all the documents to provide to you for proof of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I previously disputed this with you. I now have some evidence that I can upload as well. Portfolio Recover continues to report tha a payment was made in XX/XX/2011. The original creditors fax states that no payments were made in XX/XX/2011. The delinquency date was way earlier than reported. This should be taken off my credit reports immediately. They keep removing them from one and shifting to another and then cycling it back to initial credit report. The are reporting false information on both of their collection accounts. They are in violation of FDCPA and FCRA. I want them to remove this for good. I also want to to pay for their consistent violation which have adversely affected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This agency called my brother and sister multiple times instead of me in order to try and get in touch with me. They should have already had my contact 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 2015-12-29
Company: Convergent Resources, Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Long time XXXX customer. Always paid my bills on time. When I transferred my service to another provider, I waited to pay on the last bill as I knew I would get a final bill and I only wanted to pay once. 
Not only did they charge me for an entire month even though I did n't use the full month, the worst thing is I got a letter from a collection agency BEFORE I even got the final bill. 
They did not call me, They did not warn me. They sent it to a collection agency when it was & lt ; 2 weeks late and they sent it to a collection agency before I even got a XXXX bill or XXXX notice

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
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, 2016, I received a demand letter from CMRE Financial Services , INC asking me to pay a debt of {$370.00}. 

This medical bill does not belong to me. I am disputing this bill and do n't intend to pay a bill that does not belong 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 2016-03-30
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I was sold a car under false pretences on XXXX/XXXX/16, the day I took the vehicle off the lot I noticed it was not what had been promised. I took the vehicle to the manufacturer that informed me the car appeared to be in an accident and any repairs that would be covered under warranty became null and void. I called the dealer and told them I no longer felt comfortable with the vehicle and was going to return it. I called on XXXX/XXXX/16 to put a stop payment with the financial institution and was told it would take 2 days to process. I have called continually for the past several days as to the status of the stop payment for a car that was returned on XXXX/XXXX/16. Yesterday XXXX I was informed that the payment had been cashed.

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 2016-11-30
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A bill for payment was sent to my employer 's former address. I had never worked at that address with the current employer and was unaware of bill. 

The bill was sent to collections and reportedly negatively on my credit report. Issue unresolved re : credit report after I provided correct address and insurance information. 

I want the delinquent status removed from credit report. 

I can not get anyone on the telephone at CMRE to resolve 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 2017-03-07
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have called and mailed the collection company information that this was not my debt. I have never heard of the doctor/facility listed on the collection item. I have asked for proof of this charge and have never been given anything to show this belongs to me. I have asked the XXXX credit bureaus to remove this as it does not belong to me. I have tried for years and no one has yet to show this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
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:
CMRE. XXXX. {$65.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Convergent Resources, 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:
I am an XXXX service member. In either XX/XX/XXXX or XX/XX/XXXX I received a collection notice from Convergent Outsourcing, who 's address is somewhat confusing and seems to be in violation of the 3rd party notification in the FDCPA section 807 ( 14 ). Meaning the return address is from XXXX in XXXX, XXXX, yet an address for Convergent Outsourcing is also printed on the notice with a XXXX, XXXX address. The complaint I have is that the collection that they are trying to collect is fraudulent and was proven so by the State Attorney General ( SAG ) in XXXX XX/XX/XXXX. In my response to that first notice sent by Convergent, I told them that the claim by XXXX had been investigated XX/XX/XXXX along with many others by the State Attorney General in XXXX after I was contacted by Asst SAG XXXX XXXX ( XXXX XXXX, XXXX office ), after the SAG launched an investigation due to a news cast done by XXXX XXXX in XXXX, as many XXXX residents had complained about receiving collection entries on their credit report from XXXX for accounts they did n't have. XXXX XXXX contacted me personally because although I was unaware of the XXXX XXXX broadcast, I had just submitted a compliant to SAG concerning XXXX after learning when trying to purchased a home, XXXX had made XXXX collection entries to my credit reports that I had disputed but received no cooperation from XXXX. I also reminded Convergent that if I had owed such monies, efforts for me to pay these monies were well past the statue of limitations time. I also asked Convergent to verify this debt, and to remove any and all transactions concerning this fraudulent debt from my credit reports if they had made such entries. I have yet to receive any validation, which I did n't expect to as there is none. However, I did receive an additional collection " settlement in full '' offer letter from Convergent dated XX/XX/XXXX for {$410.00}. They totally have disregarded my communication with them concerning this proven fraudulent debt by still insisting I have it and asking me to pay it. I will forward this same complaint with the XXXX in the state of XXXX and XXXX ( got the XXXX address info from an attorney site- XXXX ) as it seems Convergent has many addresses that they use. As I stated above I 'm an XXXX service member and have been for past XXXX years of my life, and to be hounded by a USA company who seems to cater to unethical practices is well ... a crime and XXXX shame!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I leased a living room suit from Conns, I was victim of tornado disaster in XXXX 2016 which all the furniture was destroyed. Conns have called my phone at lease 5 times a day from more than XXXX different phone numbers. I have sent cease communication notice since they have placed it on my credit report as charge off. Conns is very harassing, they call my phone over and over daily from many different numbers. They have claimed that they will come get furniture but I have advised them it was destroyed in fire, they will not quit calling harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-22
Company: SYNCHRONY FINANCIAL
State: ID
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX we purchased furniture from Ashley Furniture. The loan was with GE Capital, loan number XXXX.The payments were interest free for 3 years. The store salesman said to just set up a constant payment of XXXX and forget about it for three years. " What could be simpler '' .The payments were XXXX dollars a month. A few months into the loan they changed the payment to XXXX. I adjusted my payments. Then they changed the amount again, without my knowledge. I continued to pay XXXX but this became partial payments which allowed them to begin charging fees that grew and grew. When I discovered I would pay more than the payment and more than once a month trying to stop the growing of fees. I have n't been able to access the account because I have been without Internet. I am able to access the account now, the bank has changed from gogecapital.com. I searched my emails and found that they sent an email XX/XX/XXXX wanting XXXX, or they will charge off the account. I did not receive this email because I did not have access to the Internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions XXXX XXXX XXXX XXXX XXXX / account # - XXXX / {$640.00} XXXX XXXX XXXX XXXX account # - / {$2100.00} XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  )/ account # - XXXX / {$68.00} XXXX  XXXX account # XXXX / {$1100.00} XXXX XXXX XXXX XXXX account # - XXXX / {$2200.00} XXXX XXXX XXXX  XXXX XXXX account # - {$18.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving numerous calls from Synchrony Bank from XXXX XXXX to XXXX XXXX. They are calling 20 plus times a day. I have repeatedly asked them to stop calling and have explained to them that I will pay them when I have money. I have asked for a cease and desist notification to be put on the account under my social security number and they stated that they will notate the account and then 5 minutes later they call back. I have advised them that the account should be notated and that they need to stop calling.

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 2018-05-27
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a letter dated XX/XX/XXXX informing me that an account, # XXXX opened in my name at XXXX XXXX and handled by XXXXXXXX XXXX, was transferred to XXXX XXXX XXXX XXXX XXXX. The account number at MCM is XXXX, and the amount they are seeking to collect is {$170.00}. I have never opened an account at XXXX XXXX. I called the telephone number provided in the collection letter and asked to talk to XXXX XXXX, the gentleman who signed the letter and was told by the person who answered the phone that his name was not familiar to her and she could not contact him or transfer my call to him. At the suggestion of the office of the Attorney General, Commonwealth of Massachusetts, I contacted the credit bureau and learned that an account was opened in my name at XXXX XXXX and handled by XXXXXXXX XXXX. I contacted XXXXXXXX XXXX and learned that an account was opened in XX/XX/XXXX with an address of XXXX XXXX XXXX XXXX, XXXX, MA XXXX. My address since XX/XX/XXXX has been XXXX XXXX XXXX XXXX, XXXX, MA XXXX. I received no invoices for the charges from XXXXXXXX XXXX at my XXXX, MA address. The first indication of an account was the letter I received from XXXX XXXX XXXX XXXX XXXX in XXXX of this year. Upon further investigation I learnt that the account was charged off by XXXX XXXX in XXXX of this year and sold to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX referred the matter to their Fraud Department and I also asked the credit bureaus to place security alerts to my credit files. The Attorney General 's office also suggested filing a report with the Federal Trade Commission which I did. The FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
My motorcycle was stolen over 7 years ago and I obtained a police report, with which the debt was removed from my credit. It has now been placed for collection and has been placed on my credit again and they are consistently harassing me about the debt.

Company response to consumer: Closed with explanation