BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have opened complaints with XXXX XXXX XXXX, XXXX, CFPB and as of yesterday wrote the White House. 

The Cares Act when executed stopped all Federal Student Loans payments and placed them into COVID Forbearance. Consequently, this reflected on credit reports in some situations as not reporting and on others as Late, see attached. The major issue is that as a personal consumer I never requested the Department of EducationXXXX XXXX  XXXX or XXXX to place my loans in deferment. Once I noticed the ACH not being withdrawn from my account, I contacted XXXX XXXX and requested payments be reinstated. Recently, my loans were transferred to a new service provider and with the extension of the Cares Act 0 % interest thru XX/XX/XXXX, they stopped my payment without my authorization. 

This is having a negative effect on my credit report. A consumer should have to request forbearance or hardship, loans should not be placed into deferment unless requested. I have attached my ACH history and I have opened disputes with all the Credit Bureaus and XXXX XXXXXXXX continues to update inaccurately. I have an open dispute for the posting of the XX/XX/XXXX Payment that never posted prior to transfer to XXXX. 

I believe COVID Forbearance should be removed from any credit report as there was no authorization to stop payments. They just stopped. For an individual like myself that caught it and reinstated payments, especially! 

Thank you for your time and consideration. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
SHOWING 4 LATE PAYMENTS I WAS NEVER LATE AND IVE ASKED THEM TO REMOVE THEM XXXX  XXXX REFUSED. I HAVE NEVER BEEN LATE

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 2023-09-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX reports my account as 30 days late when it has NEVER been 30 days late. I reached out to XXXX also for a resolution sending them the Statements for the months of XXXX, XXXX, XXXX, XXXX and XXXX which have payment due and received dates on them. I also called XXXX and the representative acknowledged that payment was not 30 days late, She stated give it 45 days and the issue should be resolved. After the review was completed the update was ND for current month and 5 late payments still remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My last name has been incorrect on my credit report and Equifax refuses to correct it. Documents has been mailed to this company and they ignore every request. My last name on my credit report should be XXXX. XXXX needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX 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  XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: CA
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:
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 an account or accounts without written instructions or authorization.

15 U.S.C 166b A Creditor may not treat a payment or payments on a credit card account under an open and consumer credit plan as late for any reason. 

1. ( XXXX XXXX Bank ) AddressXXXX XXXX XXXXANK XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRY DATE- XX/XX/XXXX 2. ( XXXX XXXX  XXXX ) ADDRESS- XXXX XXXX XXXXXXXX XXXX NJ XXXX COMPANY # ( XXXX INQUIRY DATE- XX/XX/XXXX 3. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX COMPANY # ( XXXX ) INQUIRY DATE- XX/XX/XXXX 4. ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX IA XXXX INQUIRY DATE- XX/XX/XXXX 5. ( XXXX XXXX XXXX ADDRESS- XXXX XXXX XXXX XXXX XXXX DE XXXX COMPANY # ( XXXX ) XXXX INQUIRY DATE- XX/XX/XXXX 6. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I am the victim of identity theft. I have tried numerous times to correct this issue with TransUnion without any success. The following accounts are believed to be fraudulent. XXXX XXXX XXXX / XXXX {$8500.00} XXXX XXXX XXXX / XXXX {$14000.00} XXXX XXXX XXXX / XXXX {$4700.00} XXXX XXXX XXXX / XXXX {$18000.00} XXXX XXXX XXXX / XXXX {$24000.00} XXXX XXXX XXXX / XXXX {$7600.00} XXXX XXXX XXXX / XXXX {$40000.00} XXXX XXXX XXXX / XXXX {$17000.00} XXXX XXXX XXXX / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$32000.00} XXXX XXXX XXXX  / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$3500.00} XXXX XXXX XXXX / XXXX {$1200.00} XXXX XXXX XXXX / XXXX {$300.00} XXXX XXXX XXXX / XXXX {$2700.00} XXXX XXXX XXXX / XXXX {$250.00} XXXX XXXX XXXX / XXXX {$1500.00} XXXX XXXX XXXX / XXXX {$3000.00} XXXX XXXX XXXX / XXXX {$3400.00} XXXX XXXX XXXX / XXXX {$5500.00} XXXX XXXX XXXX / XXXX {$610.00} XXXX XXXX XXXX / XXXX {$8600.00} XXXX XXXX XXXX / XXXX {$5700.00} XXXX XXXX XXXX / XXXX {$760.00} XXXX XXXX XXXX / XXXX {$3500.00} XXXX XXXX XXXX / XXXX {$37000.00} XXXX XXXX XXXX / XXXX ( All accounts that say XXXX XXXX XXXXXXXX / Navient )

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 2023-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
This incident caused year XXXX month of XXXX. previously known as XXXX, and all suddenly Changed to CITIZEN BANK. that the time i became a victum on this fraudulent act. i have been reported to Citizen Bank in many times. they accepted and acknowledged. my local Branch assist me every aspect. and report to fraudulent dept. and other divisions. but nothing has been changed. unfortunately this incident crushed my credit score and that effect my life very badly. I have a XXXX daughters to support their College education. i was trying to refinance my house and assist them for higher education. but unfortunately i am stuck now been a victum of this fraudulent act. 
The amount of {$7400.00} is made up for fraudulent charges that i did not make. i am requesting this charge to be removed. my credit report show that the charges are still impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. 
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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: EQUIFAX, INC.
State: NY
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:
I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND OUT SOMEONE WAS USING MY INFORMATION WITHOUT MY CONSENT .. I DID NOT OPEN OR PROFIT FROM THIS ACCOUNT .. PLEASE REMOVE ASAP thank you .. happy holidays

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Kikoff Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have late payments on this account that were never late and was never given notification Ive been in contact with this company on a multitude of occasions, even referring to the law and they have failed to respond I demand these late payments removed not only for the utter fact that I have never been late!, however also the fact that they have failed to give a response on information Ive requested within the 30 day time frame Ive requested it in. With several emails that will be attached following no response. This company then proceeds to charge my credit card balance without my express consent or permission to continue service with them to supposedly build credit but up the amount of money I have to pay every month from {$2.00} to {$5.00}. Reporting now 2 late payments from XX/XX/XXXX and XX/XX/XXXX these are both inaccurate and false when I paid all balances every month on time. Ive requested multiple occasions verification of these alleged late payments and the company seems to not care about their customers. I demand late payments removed as Ive already been through financial and emotional turmoil due to these payments effecting my credit scores. I demand late payments removed/updated. 

15 U.S Code 1666b.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In response to LVNV FUNDING with account # XXXX, I have recently submitted a complaint about LVNV FUNDING using my information under false pretense. 
In the company response they sent two XXXX XXXX transaction records, after a review of the XXXX XXXX transaction records I found two different addresses non of which match my GOVERNMENT ISSUED ID. I am asking LVNV FUNDING to review those two addresses and match them with my GOVERNMENT issued ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Nelnet, Inc.
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:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXXXX/XX/XXXX Balance : {$19000.00} XXXX  XX/XX/XXXX Balance : {$11000.00} XXXX XX/XX/XXXX Balance : {$16000.00} XXXX XXXXXX/XX/XXXX Balance : {$420.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
INNVESTIGATE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INVESTIGATE THESE ACCOUNTS XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; 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 non-monetary relief
Consumer complaint received 2022-02-17
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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX, I have been a victim of Identity Theft and have suffered tremendous lost because of it. I submitted all of the proper documentation to all XXXX bureaus on XXXX XXXX of 2021 and have yet to get any response. I have suffered financially, fraudulent accounts have been opened in my name and I am just asking the bureaus to do the right thing here and by law per section 605B of the FCRA, these accounts should have been blocked within 4 days and an investigation launched on my behalf.

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 2019-09-21
Company: Experian Information Solutions Inc.
State: IL
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 have contacted experian several times and explained that the following things that they are reporting is in correct these things DO NOT BELONG TO ME & IS FRAUD. XXXX XXXX XXXX account XXXX it is listed with {$XXXX} balance, XXXX/XXXX  account XXXX balance {$XXXX}, XXXX XXXX XXXX account XXXX {$XXXX}, and a Bankruptcy. I have never filed bankruptcy at all ever. I told them the last time this was not mine. It was verified after I have sent in a police report, my drivers license, social security card and an identity theft report. These things are not mine and I am asking you to stop reporting things that are fraud on my credit report. 
For the bankruptcy this is a huge error and all this need to be fixed immediately! PLEASE DELETE THESE ACCOUNTS FROM MY REPORT.

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 2023-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
In early XXXX, their representative indicated that they would issue a refund check in about six weeks. In early XXXX, I received a billing statement indicating that the available credit was {$620.00} above the credit limit ( the amount of the original loan ). I have not received a reimbursement check as of today. Then today I received another statement, indicating that they had applied a {$50.00} fee, and that I owed them {$20.00} due on XX/XX/XXXX, XXXX XXXX 
When I spoke to Customer Service today, the representative STARTED a refund request. She gave me the case number for follow up.

Company response to consumer: Closed with monetary relief