BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I originated a loan with Conns HomePlus - financed amount of {$4800.00} for 29.97 % at {$21000.00} month for 34 months. Payments have been made consistently until furlough caused by COVID-19. During that time I received a minimum of 20 calls per day every day ( without VM message ) if payment was not received by the XXXX of the month. On XX/XX/XXXX I contacted a Conns and spoke with supervisor XXXX XXXX to see there were any temporary or permanent assistance available. He stated that the loan would be refinanced for XXXX for months at the same 29.97 % interest at {$150.00} per month starting XX/XX/XXXX with a payment of {$150.00} ach initiated by Conns on XX/XX/XXXX. After the payment cleared I was continually harassed with calls from Conns so I contacted a supervisor on XX/XX/XXXX to discover that the refinance had been rejected and I was not informed. They apologize for inconvenience and said they would submit it to their refinance department for reconsideration. The next day XX/XX/XXXX I called back they pushed it through with an increase of interest rate by almost 10 %. They said thats all they can do. This is ridiculous. At this point Conns has caused me to be late which will affect my credit due to no fault of my own, as i was made to assume that the original refinance on XX/XX/XXXX had occurred. Through their deceit, I am now stuck with the remaining balance of XX/XX/XXXX payment as well as one that is now due for XXXX putting me in an additional financial hardship that I would not have been in if not for the predatory practices. This company lies, makes false promises, steals, and takes advantage of people affected by COVID-19. Those practices must be addressed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CONVERGENT OUTSOURCING has placed derogatory marks on my credit report in attempting to collect a debt that is not valid, on behalf of XXXX XXXX. Documents attached will show that on XX/XX/XXXX I began to communicate with XXXX XXXX regarding incorrect statements made to me in securing my business, and incorrect billing that began immediately thereafter. And over the remainder of my business with XXXX into early XXXX, I continued to contact XXXX XXXX while being swapped from rep to rep, put on hold, told I would be called back without any response. Documented is another call in XX/XX/XXXX where I again attempted to reach a resolution with XXXX regarding the billing but was left waiting for a call from a manager to reach a resolution. All of this time they were offering to give me a credit when I pushed for the bill to be corrected but never would adjust the actual bill. And I do not believe I owe any monies to 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 2023-02-28
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:
I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the listed account from my file. 

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 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In 2004 I file bankruptcy and these old accounts reappearing. With new dates, I dispute with credit Bureaus but do not remove

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 2017-09-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
They refuse to allow the consumer to dispute wrong information online without purchasing a Credit Report with a report number. 

They will ALWYAS show a generic " Unable to honor your request. '' message on the website.

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 2020-12-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I sent a letter by certified mail to XXXXXX/XX/XXXX XX/XX/XXXX regarding an account on my credit reports fromXX/XX/XXXX, XX/XX/XXXX and Experian, claiming that I owed XXXX money on an account that has been closed and written off since XX/XX/XXXX. I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have proof of delivery of my letter to XXXX on XX/XX/XXXX at XXXX. XXXX is required by law to respond to my dispute within 30 days of receipt. On XX/XX/XXXX, 31 days from the day XXXX received my letter, I had not received a response from them. On XX/XX/XXXX, I sent another letter by certified mail to XXXX, giving them another goodwill attempt to respond to my dispute regarding the claim on my credit reports that I owed them money. I have proof of delivery of my 2nd letter to XXXX on XX/XX/XXXX at XXXX. As of XX/XX/XXXX, which is 31 days from the day XXXX received my letter, I still did not receive a response from them. This is two times that I have contacted XXXX and they have failed to provide me with any proof or validation that the debt they claim I owe is valid. There has been no data reported to any of the three main credit agencies from XXXX regarding this account they claim I owe money on since XXXX, XXXX. Since I have sent them two letters of dispute, XXXX has now reported to all three credit agencies on XX/XX/XXXX that I am 30 Days Past Due Payment. This has made my credit score drop at least 8 points. Not only have they not been reporting any data for 2 and a half years, but they also did not reply to either of my disputes, nor did they send me a bill in the mail. XXXX has my current address because it was listed on both letters I sent. Along with reporting that I am 30 Days Past Due Payment, there is also a comment on both Experian and XX/XX/XXXX credit reports from XXXX that Completed investigation of FCRA dispute consumer disagrees. The disputes can not be complete when XXXX never replied to them. This company never furnished any proof or validation that I owe this debt they claim I owe.

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 2020-10-23
Company: Conn's, Inc.
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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and  need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 explanation
Consumer complaint received 2021-04-26
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:
Experian is reporting an account on my credit report that is not mine

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 2020-09-02
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Problems with the incompetent company known as PayPal once again. This time they have " lost '' for payments totaling over {$800.00} dollars. 

The ID # s for the items sold on XXXX and the amounts are as follows. ID # XXXX in the amount of {$400.00}, ID # XXXX in the amount of {$70.00}, ID # XXXX in the amount of {$260.00}, ID # XXXX in the amount of {$79.00}. 

Paypal will give the excuse that they do not have personnel dedicated to resolving issues due to COVID 19. I did not know that you could catch the disease from a telephone conversation. Who knew?? 

Every effort needs to be taken to run the flim flam operation known as PayPal out of business. They have absolutely no business handling financial transactions of ANY nature. 

Complete incompetence. 

Thank you for your assistance. 

Kindest Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-23
Company: EQUIFAX, INC.
State: OK
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: BANK OF THE WEST
State: NM
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of the West XXXX, NM CD Account number XXXXXXXXX opened on XX/XX/XXXX. The CD was opened as a 3 Month Maturity Date of XX/XX/XXXX. 

What happened : On XX/XX/XXXX I opened a Certificate of Deposit for {$100000.00} through Bank of the West XXXX XXXX, XXXX Branch Manager at XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX Direct XXXX Fax XXXX Email XXXX Documents on Hand : I have the original certificate document from provided by MrXXXX XXXX XXXX from Bank of the West for the CD as it was issued on XX/XX/XXXX. However, the CD was never funded, the funds were never deposited to this CD. As of today, XX/XX/XXXX, the CD account today shows a XXXX balance and Bank of the West will not tell me why or how the funds were disbursed. 

Complaint to Bank of the West : On XX/XX/XXXX I called Bank of the West main telephone number XXXX and issued a complaint about Fraud due to the funds never deposited to this CD on XX/XX/XXXX to an Escalation Manager named XXXX employee ID XXXX. She could not understand what happened or where the funds were disbursed and was going to escalate to the Regional Manager. The Regional Manager never called. In addition, my online access to this account was denied to print additional documentation. 

Please help.

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 2017-08-07
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/17 approximately at XXXX XXXX I received a call from Aargon agency regarding two accounts that they had of mine is from XXXX XXXX XXXX. I ca n't remember the young lady name on the other end of the phone but she was giving me a different amount than what I had on my credit report because of nonpayment. One account was for {$820.00} and other one was for {$400.00}. The lady on the phone with trying to con me out of the extra hundred and something dollars she said they were a {$62.00} and some change an extra {$42.00} and some change for the other account for nonpayment. I told her that I was not paying no extra money for the XXXX nor for the other account and the XXXX they wanted {$42.00} for the other account for nonpayment. I said I 'm not paying extra only what 's on my credit report she could take it or leave it. She told me that I could call back and she can get that amount waved. I feel like they where trying to take advantage of me. Both of these account has been paid thru XXXX XXXX, I spoke with XXXX XXXX to get these two account off my credit report so I can go head and put XXXX XXXX, But Until AARGON AGENCY Removes this from my credit report, I can not get Power in my name until Aargon AGENCY Removes this from my credit report. I have both confirmation Number from XXXX XXXX.
# XXXX  {$820.00} # XXXX {$400.00}

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 2021-04-26
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My paypal account is XXXX I transferred {$1400.00} out of paypal to my personal checking account. 

The money appeared in my personal checking account briefly, but then there was a paypal transaction that took the money back. 

However, the money was never posted back to my paypal account. It is neither in my checking account nor in my paypal account. 

Paypal activity summaries are worthless garbage. They do not use a double-entry accounting system. It is EXTREMELY difficult to decipher their activity summaries. I believe this is by design. 

Please cause them to post {$1400.00} back to my paypal account and apologize for their extreme incompetence. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filled Bankruptcy in XX/XX/XXXX and it was finalized in XX/XX/XXXX. I am asking for all three reporting agencies to remove the remarks from public records. I realize that they have the right to report up to 10 years, however given my payment history since then i am requesting an early dismissal of that reporting. At this point its simply defamation of my history because in fact i have a stellar history for the last 9 years. Please let me know what can be done about this. 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 2021-09-08
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt collector has called over multiple dates and has repeatedly been asked not to call my employer by myself and other employees. Last call received was XX/XX/21 after being told on previous days not to call anymore. Threatening tones used also

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My primary residence 's mortgage servicer is Loancare LLC ( https : //www.myloancare.com ). InXX/XX/2020, I accepted their forbearance plan because I was financially affected by the COVID shutdown. On XX/XX/2020, I got an email stating that I have been approved for the forbearance plan ( email attached ) and that I should read the forbearance plan agreement carefully. I received an agreement letter ( attached ) dated XXXX XXXX. Before I entered the forbearance plan I was one payment away from having my PMI removed. Neither the letter that I received nor the email mentions that my PMI will not be removed for another 24 months and that I will be penalized if I accept the forbearance plan. I even made partial payments during my forbearance period. I ended the forbearance plan beginning of XXXX and made all the payments. I have never defaulted in any mortgage payments. 
I have requested Loancare several times for cancellation of my PMI. However the mortgage company is still forcing me to pay PMI for extra 24 months. 
I have complained several times, including an escalation call with the manager, XXXX, on XX/XX/2020 ( escalation request # XXXX ). She mentioned that the PMI will be removed in 7 business days. However, without notice they quietly rejected my PMI cancelation request. I did not receive any written letter or email from them. I called again on XX/XX/XXXX and talked with another manager, XXXX XXXX agent # XXXX ) and she insisted that there is no way the PMI will be removed and that I am forced to pay for PMI for another 24 months because of the forbearance plan. 
This deceptive behavior by Loancare has caused me an extra financial burden during COVID crisis. They advertise their forbearance plan as a compassionate act however they are defrauding people.

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 2020-10-23
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is trying to make me pay {$220.00} for something i have and/or had no knowledge of. I have never done business or applied for anything related to this company. I have contacted them and the parent company and they told me an application was put on online under my name and they don't seem to care. 

The company is XXXX XXXX overlook. Some low end apartment complex in the XXXX, GA area.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions Inc.
State: MS
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 made several attempts to rectify this issue. I have a 30 day late with account XXXX XXXXXXXX from XX/XX/2019. The month in question I was given a forbearance. I have the letter stating it. I have made a dispute with all 3 credit bureaus and with XXXX/ XXXX XXXX XXXX XXXX XXXX said it was correct even though I provided them with the letter they sent about the forbearance. Then, they said they didn't report it to the credit bureau. I provided XXXX with proof that it was on my report but to no avail. Attached is a copy of the forbearance and proof that it is on my credit 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 2017-12-18
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have to have annual XXXX XXXX performed at XXXX XXXX XXXX XXXX. 
I am billed directly by XXXX XXXX and pay promptly each time. Since XXXX 2017 I have been harassed by a local attorney 's office that claims I owe {$12.00} to XXXX XXXX. 
I have called the law office and explained I do not owe anything and this is paid in full, provided proof of payment and even had XXXX XXXX XXXX partner XXXX XXXX 's hospital where the XXXX is done verify that I do not owe anything. XXXX XXXX 's has even provided me with a a letter saying my account is current and in good standing - which I have sent to this law firm as well. 
They simply do n't stop. 
So I am filing complaints here, and with the BBB.

Company response to consumer: Closed with non-monetary relief