BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was mailed an automatic payment option to sign and return of an agreed upon amount. I signed and returned the paperwork. Two payments were taken out of my account and then the money stopped being withdrawn. No one followed up or notified me about the missed payments. I found out that the money wasn't being paid because my credit score dropped 100 points. From XXXX to XXXX. I was struggling to communicate with the collector previously as I was working to find a payment plan that would work to pay off the XXXX $ medical bills that I accrued from routine care at the XXXX. The debt got sent to collections in the first place because I was told I received 100 % financial assistance from XXXX XXXX, but later I found out that XXXX XXXX, XXXX isn't covered under that, which is where my XXXX XXXX XXXX were taken to be examined due to XXXX ( a common XXXX ) that effects women. 

I had Several recorded conversations with XXXX XXXX in Billings EXT XXXX ( XXXX ) where I begged him to put me through to his supervisor to try and find a solution that could be established to resolve my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Resurgent Capital Services L.P.
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Triton Management Group, Inc
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I been getting calls about my loan and made arrangements to pay but didn't have the money at the time even though i was late by one payment.I got a harassing call XX/XX/2018 about my loan from this guy name XXXX telling me I'm always late but i told him I'll be there to pay this Saturday but he kept on harassing me about a payment even after i gave him a day i was gon na pay it.This company he works for is XXXX XXXX.He kept calling my cell phone leave demands that come in and make a payment today but told him that i maybe late sometimes but I'm trying to pay and I'm only one payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Conn's, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I called the customer service dept at XXXX 's XXXX XXXX and requested a refund check of an overpayment made on my 2 accounts. They agreed there was an overpayment and they will expedite the refund process and it should be processed within 10-14 days. Today, 60 days post request, I do not have a refund check. The following actions were taken. 
Called- XX/XX/XXXX and was told the refund check has not been processed and I will have to wait again 10-14 days. 
Called -XX/XX/XXXX spoke with a supervisor who explained it was the holidays and it would take longer then usual but to call back again in 7-10 days. 
Called- XX/XX/XXXX and spoke to another supervisor who said the refund check was processed on XX/XX/XXXX and to expect the check in 7-10 days. 
Called- spoke to a supervisor XXXX on XX/XX/XXXX and who stated it was still in process and has not been mailed to my home. Each time I have asked for another number, department or higher management which was always denied by the supervisor of customer service. 
Called- XX/XX/XXXX supervisor ( XXXX ) had told me that the check was mailed on XX/XX/XXXX and I should see the check within 7-10 days. 
Called- XX/XX/XXXX and told them I have not received a refund check and to ensure it was mailed on XX/XX/XXXX. It was confirmed it was mailed on XX/XX/XXXX. 
Called- XX/XX/XXXX and again spoke with supervisor and told them I have not received a check. The supervisor XXXX said she would escalate it again and for me to wait 72 hours before I call again. 
Called- XX/XX/XXXX and spoke with XXXX who stated there was a problem and that the check was NEVER processed nor was it NEVER mailed to my home. The previous notes were untrue and she was going to escalate it again to Maintenance Dept for solution. 
At this time I submitted a XXXX XXXX XXXX complaint. Also, I went on to social media to find someone in higher management. I demanded a call back within 24 hours from the manager XXXX in the Maintenance Dept with a solution. The supervisor XXXX replied with " there was not a guarantee of timely response and I should call the customer service number myself. '' Today XX/XX/XXXX, still waiting for a response and solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I emailed on Aspire Credit Card Company on XX/XX/2020 a Customer Statement of Disputed Items form. I explained that I returned a product on XX/XX/2020 via XXXX with a tracking receipt. As of XX/XX/2020, over 10 days had passed and the company still keeps giving me the run around regarding my refund. I have called Aspire Credit Card Company every twenty days and each CSR never is able to inform me anything about my refund on my credit card. The purchase was for {$100.00} and I have not had this about available to me as available credit. I have continued to accrue interest on my monthly bills without the {$100.00} deducted. Today 's date is XX/XX/2020 It has now been over 90 days since I sent in my dispute to Aspire and I have not received any communication from this Company regarding my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions 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:
THE INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS USING MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-07-12
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:
The credit companies are not complying with their own policies in a timely manner.

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 2020-11-10
Company: LEXISNEXIS
State: TX
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:
remove address not mine XXXX XXXX XXXX XXXX XXXX everthing not XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: JPMORGAN CHASE & CO.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to find out more about the credit card collection account reported by Chase bank for about a year. My last dispute was submitted via XXXX on XX/XX/2018 asking to verify the debt since I have never done business with Chase bank before. The result always has come back as " accurately reported '' and I have no knowledge of this Chase credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$49000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00}

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 explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
IVE BEEN TRYING FOR MONTHS TO REMOVE ITEMS THAT ARE FRAUD ON MY ACCOUNT, I EVEN FILED A FTC 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion customer service department did not help remove the negative inquiry that are reporting on my credit report. Which is below : XXXX XXXX XX/XX/2022

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 2020-10-28
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:
THE INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS USING MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
It isnt letting me connect my PNC account to my Privacy  account, it only emails me saying that they received the request to connect them without giving me any way to approve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Exeter Finance Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Exeter Finance regarding Account # : XXXX on XX/XX/2021 requesting all the documents regarding the repossession they are reporting on my credit report because I never received any documents. I still have not received a response. I have attached a copy of the original letter and proof of delivery. The balance being reported on this alleged debt has been waived by the creditor. The balance should be listed at {$0.00} due to the creditors failure to comply with UCC 9-616. Please correct this information or delete it immediately. It is a violation of the FCRA to knowingly report or furnish false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: AL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-01-29
Company: INTERCONTINENTAL CAPITAL GROUP
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I refinance my home loan in XX/XX/XXXX, and was mailed a letter by International Capital Group , Inc. ( the loan servicer ), stating that I was not required to make a XX/XX/XXXX payment since they sold the loan to XXXX XXXX in XXXX. I was contacted today ( XX/XX/XXXX ) by an attorney in the legal office of International Capital Group stating that they made a mistake in mailing me that letter, and if needed to pay it immediately otherwise International Capital Group could take legal action against me in court to extract payment for the amount of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: LTD Financial Services, L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from LTD financial services to collect a debt of {$870.00} on XX/XX/XXXX from an apartment complex I haven't lived in since XX/XX/2022. There was never a notice I still owed money to this complex nor have they reached out in almost a year regarding any issues with moving out. I am trying to dispute this collection. Everything was up to date with rent upon move out and keys were returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: Maximus Education, LLC dba Aidvantage
State: TX
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:
Department of Education/ Aidvantage reported inaccurate information on my credit report. The accounts were removed from XXXX report because of the violation. 

Aidvantage has still fail to remove the accounts on my XXXX & XXXX report which still are causing a reporting issues of inaccuracies. 

By law everything should be reporting the same across all 3 bureaus. 

15 usc 1611- false & inaccurate information willing & knowingly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Im a customer who is a receiver of the money transfer from the XXXX XXXX to United States. on XXXX XXXX I went to the CVS Pharmacy to collect the Money I use the MoneyGram kiosks to start my transaction and then proceed to the cvs cashier to complete my transaction during the process the CVS agent told me that they only can give {$500.00} max at the Location because I was receiving more than the maximum amount and we have to cancel the transaction, so we cancel the transaction and then I went ahead to the next MoneyGram locations when I try to receive money from XXXX  which was the next location that was open at that time it was after XXXX so the store was all closed up accept for the groceries store and CVS , they said that the Refrence number is invalid so we go ahead and check the Refrence number status and it says money has been picked up ( BUT I DIDNT RECEIVE ANY MONEY ) I came back to the CVS LOCATION TALK TO THE CASHIER AND HIS MANAGER THEY TOLD ME TO CALL MONEYGRAM AND TALK TO THEM, because they didnt give me any money and they are also closing and if the MoneyGram agent want to talk to him he is willing to talk to them. I call MoneyGram they told me they want to speak to the Agent but the CVS STORE WAS ALREADY CLOSED since I was the last Customer. I ask them if I could go back the Next Day and ask the cashier that helps me. When I went the next day he was not there. So I called MoneyGram again and try to ask the CVS EMPLOYEE TO TALK TO THEM IT WAS THE DIFFERENT EMPLOYEE SO SHE WAS NOT IN ANY HELP BECAUSE SHE WAS NOT AT THE STORE WHEN ALL THIS PROBLEM HAPPENS and due to the employee privacy they couldnt tell me his next shift so I waited for the next same Day which was on a Sunday and the Same time I did the Transaction which is Around XXXX. Because thats what the Money Gram Agent told me, when Sunday Came the CVS EMPLOYEE was willing to talk to them, they just shut me off and told me they can not give me any information and the final decision about the money has been made. I just dont get it, their final decision was the refund of XXXX. I have a witness who was willing to talk to them about this transaction. But they didnt let him explain or let us prove them that I didnt pick up any money their were 2 CVS agent who was their that night who knew everything that happened on the XXXX of XXXX between XXXX and XXXX was willing to talk to the MoneyGram. But they just go ahead with closing my case with XXXX this is not fair and I need that Money.it has caused a lot of problems in my Family because the Sender who is my Husband has blame me too that I already picked up the Money because MoneyGram came to a Selfish conclusion and the CVS agent is still willing to talk to them about my transaction. Please, please if You could look into my Case I would appreciate that Thank you. Our Case number on MoneyGram is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: FL
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 the following accounts have violated my rights US BANKRUPTCY COURT XXXX file # XXXX XXXX  XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  US SM BUS ADMIN XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation