BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: Advance America, Cash Advance Centers, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
In XX/XX/2019 I had written a check to Advance America for a pay day loan in the amount of {$580.00}. I wasnt able to pay The whole amount back so they tried to ACH my account. It rejected and I set up to start making payments on the balance of {$580.00}. I paid {$280.00} towards the balance. On XX/XX/2019 I talked to XXXX. I told her I had {$80.00} I could bring her when I got off work. She started telling my my minimum payment was {$91.00}. I didnt have the extra {$11.00}, but I told her I would try to come up with it. I couldnt come up with it, so I wasnt able to make the payment. On XX/XX/2019 they sent in the ACH for {$580.00} to my bank account. My bank paid it in full on XX/XX/2019. They never took into account the {$280.00} I had already paid towards the balance owed. I called asking why they didnt consider the money I had already paid and XXXX told me I could just bring something showing it was paid by my bank and get a refund. Well on XX/XX/2019 I went up there for my refund. They refused to give it to me. They said they had to wait for their supervisor to approve it, or the system to let me have it. I called everyday trying to get my money back. On XX/XX/2019 my husband finally called their call center to make a complaint. The lady looked in the system she said your account has been paid and closed. She said just call up there and ask for your refund they have to give it to you. I told her I already did that and they refused giving it to me. She said they have no reason to hold onto your money. I will call the supervisor over that branch and have her over ride this. She said I will also have her call you directly when she gets out of her meeting. XXXX called me at XXXX cst she also refused to give me my money until XX/XX/2019 and told me how it was my fault they sent the check in basically. She even told me that the center lady didnt tell me they had no reason to hold my money. XXXX did not know my husband was on 3 way listening to the call center lady tell me this. XXXX also told me on XX/XX/2019 that Dotty didnt refuse my payment that I could of paid {$20.00} if that was all I had. I told her that was not explained to me by XXXX. On XX/XX/2019 at XXXX I went to my bank. I talked to them about possible rejecting the ACH. They told me it is to late they had already paid Advance America off on XX/XX/2019. They gave me a print out of my account showing nothing was pending and said take that and try again to get my money refunded to me. I did and XXXX finally refunded only {$250.00} of the {$280.00} I paid them. I dont think pay day loans should be able to send a ACH for The whole amount when someone has paid on something. This is theft! This is ridiculous I had to chase my own money around like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, I recently sent Late payment removal letters and Charge Off Removal Letters to Experian, XXXX, XXXX and the creditors requesting to remove late payments and Charge offs off of my consumer report. I sent out the Late Payment removal letters to the consumer reporting agencies and they have all came back as Return To Sender and undeliverable. The Charge Off Letter requesting a 1099c for my tax return to the credits also came as Return To Sender. I sent out a letter to the consumer reporting agencies Experian, XXXX and XXXX letting them know that they are furnishing inaccurate information on my consumer report and that they had 5 business days to respond. They have failed to do so. 

I sent out the Late Payment Letters on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Doesn't show amount Charged Off- XXXX XXXX Im asking consumer reporting agencies to please have the late payments deleted from my consumer report because I sent out the letters and they came back as Return to sender and Undeliverable. Also asking for the Charge Offs to be deleted off of my consumer report. I requested a 1099c to file on my tax return and the letters came back as Return to Sender. I sent out letters to the consumer reporting agenices notifying them that they are furnishing inaccurate information on my consumer report and that they have 5 business days to respond. They have failed to do so. These accounts are Unverifiable. I have Attached copies of the Return to sender Cards .Thank you!

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 2018-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITAL ONE with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: CBC Companies, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently went over my credit report to check for any discrepancies and Ive noticed a few inquiries on my XXXX credit report that I dont have an account with. The account looks like its with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Netspend Corporation
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I attempted to log-in via app to my Netspend ( XXXX ) " XXXX XXXX XXXX '' account to check the balance of the attached checking and savings accounts, but I was greeted by the message that my account had been locked. When I called customer service, the representative explained that I would need to submit proof of identity and mailing address via email to unlock the account. When I explained that I had moved to a new address almost 2 years prior and would be unable to submit any recent documents showing my previous address, the representative suggested I close the account and receive a check for the balance. Only after agreeing to do so did the representative point out that the check would be mailed to the address on file, which was my old address. When I asked how I could update my address to receive the check, she indicated I should email a copy of my state ID ( driver 's license ) with my current address to XXXX and that my account would be updated and a check mailed to my current address. I did so, but several hours later I received a reply from that email account indicating that the address on my ID did not match the address on my account, and that my identity verification had failed. I replied to explain my situation -- that I was not verifying my identity, but attempting to update my address per the phone representative 's instructions -- but I received another email indicating that the email support team could not help with my issue, and I should instead contact phone support again. In total, I made 9 phone calls to Netspend customer support over the course of two days ( XX/XX/XXXX and XX/XX/XXXX ), until I was finally assured by the last representative I spoke with that the address on my account had been updated to my current address ( after I successfully answered multiple verification questions ) and that a check for the account balance ( over {$1200.00} ) would be mailed to my current address within 5 to 7 business days. Today is the 15th business day ( 21st calendar day ), but I still have not received that check. I have even contacted the family living at my previous address to see if they received a letter from Netspend addressed to me, but they have not.

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 2021-02-16
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
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:
Previous Complaint # XXXX and info below. 

Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$360.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$360.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$360.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$5200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$5200.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$3300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3300.00} past due as of XX/XX/XXXX. Show more Account name XXXX XXXX Account number XXXX Recent balance {$350.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 


Per there response I've provided and emailed the physical copy of the police report as asked to provide. I was told after this information was sent that. I was told I'd be notified of an outcome but still haven't gotten one yet. I'm just trying to get my credit situation finally solved and fixed once and for all so my innocence gets these off my credit. I understand Rash Curtis and Associates is a business and they're just doing their job, but I'm also doing what I can to solidify their needs to fix this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The IRS Clearly defines a charge-off as a certificate of indebtedness Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of this account inaccurate! They also violate my rights according to the Privacy Act of 1974 and HIPAA Laws. This discrepancy results in inaccurate reporting of the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance {$900.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$720.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX. Inquired on XX/XX/XXXX ; CXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is an inquiry on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX Miscellaneous and public record XX/XX/2022. 

The only thing that makes sense is some at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.

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 2019-08-08
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXXXXXX XXXX I went on a medical leave of absence due to my XXXX XXXX   from my employer XXXX XXXX. Located in XXXX, XXXX After making a phone call to Gm Financial 's customer service department to inform of the XXXX and attempt to make deferment arrangements, I was told that I could not obtain a deferment due to no payments being made on the account. I then called GM Financial again and spoke with a different representative. After explaining my situation to him, he obliged to helping. He advised that he could assist me if I could make the XXXX payment which was due XXXX/XXXXXXXX  before XXXX XXXXXXXX XXXX I was advised to download the GM Financial app to my cellular device for faster payment service. A payment was initiated and processed on XXXX/XXXXXXXX @ approximately XXXX EST. The payment was made by XXXX XXXX XXXX XXXX my sister ) and was from her XXXX XXXX XXXX XXXX checking account ending in XXXX. The app asked for a XXXX digit account number, which XXXX XXXX XXXX XXXX XXXX not have XXXX digit account numbers, they are XXXX digit account numbers. On the XXXX XXXXXXXX XXXX My sister advised that she did not see the payment pending on her account and suggested I call GM Financial, which I promptly did. I was transferred to the " online Department '' who advised me that the payment was recieved and was not late and would be posted by XXXX EST. On Friday XXXX/XXXXXXXX the same representative that advised that I make the first payment in the amount of XXXX gave me a call to set up a deferment for XXXX and XXXX of XXXX. I advised him that my official return to work date was XXXX and that I'd be able to catch up. The representative set me up with the deferment and gave me a pin number. When I tried to follow the link to put the pin number in, it said there was no match to the account. I attempted to contact GM Financial on Saturday XXXX to find out their offices closed at XXXX EST. I attempted to call on XXXX and got an automated message saying " Due to unforseen circumstances, our offices are closed and will reopen tomorrow. I then contacted GM Financial again, Tuesday XX/XX/ and was advised that the payment was not recieved, stating that the account number " was not found. The payment was immediately mafde via telephone representative with the very same account number and was processed immediately. To no fault of my own I now have a missed/ late payment recorded on my credit file. This has plummeted my credit score 75 points. Not to mention my daughter XXXX XXXX XXXX is the cosigner whose credit score plummeted 92 points because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
First I reached out to my hometown police department and notified them of identity thieft. I was told to notify the credit bureaus and let them know and they will take care of everything. ( since the accounts not that big in dollar amount ) I notified XXXX and XXXX about inaccurate information on my credit report. A identity theft alert was place on my credit reports ; but the accounts are still reporting on my credit reports and should be remove. Only one account has been removed. Ive also ask the debt collectors to send validation of debt ; and still havent received any validation. Validation consists of ; 1. agreement thats grants you the authority to collect on the alleged debt, 2. Documents that indicates that I agreed to pay someone this some of money.

3. What is the original amount owe and complete payment history.

USC 1692g SEC 809 ( b ) Please send me a response to my complaint via email. I XXXX XXXX is writing this complaint on behalf of myself and will like my response back through the same portal I sent my complaint. 

Ive also sent an affidavit form in before through the mail; but received a letter back in the mail that said I had to make a police report. So I did go to my police department and thats when I reached out to the credit bureaus and they placed an alert on my credit reports but did not remove the accounts.

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 2023-02-06
Company: Experian Information Solutions Inc.
State: GA
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:
This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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