BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: Resurgent Capital Services L.P.
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:
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20 LVNV FUNDING LLC PO BOX XXXX XXXX, SC XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Crow Creek Sioux Tribe
State: PA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed XXXX on XX/XX/XXXX and XXXX on XX/XX/2016. 
I have repaid XXXX dollars on this loan. It came to my attention on the XXXX Department of Banking that these types of Loans are illegal in XXXX.. I have paid Dakota Lending dba MyLoanSite.com XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX I have paid this company {$1700.00} plus the Original loan amount as of XX/XX/2016. 
They have gotten their money back I do not want any money back. They are fooling the common person in XXXX where they should not be lending money at all.

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 2020-08-16
Company: ARVEST BANK GROUP, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicer was XXXX. I had automatic payments set up through my bank, XXXX XXXX XXXX, to make my mortgage payment to them every month. I did not realize XXXX sold my loan servicing to Arvest Loan Servicing effective XX/XX/2020. I did not realize this until after my payment transacted, on XX/XX/2020. Arvest has contacted me asking for the payment. I explained the situation to them, and they said they would contact XXXX to iron it out. They haven't. I contacted XXXX myself. They said they could not locate my payment, since they do not accept payments unless you are a current borrower, and that they would immediately forward to Arvest upon receipt. They haven't. I have continue to check with my bank, and the payment has not been returned- it shows as a valid payment sent via echeck on XX/XX/2020. In the meantime, Arvest is hitting my credit report with non-payment and charging me late fees. These companies need to figure out what's going on. I never asked anybody to buy or sell my mortgage servicing, and I didn't ever know they were going to. Now that they have, these massive corporations can't just shrug their shoulders at me while I'm out my {$1900.00} mortgage payment. It's sitting somewhere earning one of these companies interest. Meanwhile, it's hurting my credit, my ability to refinance, and they're charging me late fees for money they refuse to help me locate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed wrongful debts with Portfolio Recovery years at this point. They are attempting to collect an old debt they purchased that does not belong to me. They are wrongfully attempting to collect this debt and damaging my credit immensely. They need to remove the collections immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection agency is trying to collect on a debt that has already been paid. The original creditor ( XXXX XXXX XXXX ) was paid by the XXXX XXXX XXXX. The XXXX also committed XXXX fraud by billing XXXX after they had been paid by the XXXX XXXX XXXX. I am being harassed because I am a senior citizen living on a fixed income. I was an inmate in the XXXX XXXX XXXX. I am not responsible for a {$110.00} medical bill. The city of XXXX, Virginia is responsible for this bill. I never received any medical care from the XXXX XXXX XXXX. I am a victim of harassment by The Credit Control Corporation. The Credit Control Corporation is conspiring to defraud and extort money from me for services that were not rendered.. The Credit Control Corporation is also guilty of conspiring with the XXXX XXXX XXXX XXXX to defraud XXXX out of money that was not owed. XXXX paid a claim for services that were already paid by the XXXX XXXX XXXX for services that were not rendered. This is fraud in its most quintessential form. The Credit Control Corporation is violating my civil rights by putting false, inaccurate information on my credit report. There is no record that I ever received any medical care. I never signed any forms or papers requesting services. My signature does n't appear on anything. I was never there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : 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 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 Amount {$950.00} Company XXXX XXXX  XXXX Account number XXXX Asked this company to remove this off my report since this 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 2023-02-03
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got a notice that they were closing all my accounts and not even 2 minutes after I got the email my accounts were shut down and my money gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX 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 2020-08-16
Company: Experian Information Solutions Inc.
State: KY
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 initially disputed errors on my credit report with Experian on XX/XX/XXXX. I received a response that the account was verified around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively ( see attached ). About XX/XX/XXXX I sent Experian letters requesting their method of Verification according to my rights as a consumer under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) As  you can see attached ( several reports ), Experian has failed to follow the law under the time allotted and I simply want these erroneous accounts removed permanently from my file. Please have Experian provide my a free copy of a new credit report showing these items have been removed. 

Regards, 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 2020-01-13
Company: STERLING JEWELERS, INC.
State: PA
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:
Sterling Jewelers continues to sale and resale account which was never provided with a validation of signature and contest to contract. Company hired XXXX XXXX XXXX XXXX to send threating letters to address with aggressive calling. Disputed this once before and Sterling never validated request and did not comply to request according to FCRA Guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I closed my Citi XXXX XXXX XXXX XXXX account on XXXX XX/XX/2019. Then I called citi bank to transfer my Citi Thank You points from Citi XXXX account to Citi XXXX XXXX XXXX XXXX account.

Agent told me that approx. XXXX Thank You Points will expire on XXXX XXXX so I redeemed approx. XXXX points by XXXX XXXX. 

But another XXXX points expired on XXXX XXXX. I was not aware about this and neither I got any notification regarding this. I was acting on the information given by Citibank Rep. 

Also, on XXXX, there is no way to check how many points are expiring. So I could not have known the exact amount of points getting expired.

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 2020-08-16
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, I received a phone call from Harris & Harris for a debt collection based on a medical bill. This company has contacted me many times after asking them to provide me a validation letters to verified the accounts going back since XX/XX/XXXX. I have not received any responses from them only repeatable phone calls. They have ignored all of my letters in which I have included on this file. They continue to call. The first one I had to record was the phone call they made to me on XX/XX/XXXX in which they left me waiting for more than 35 minutes. They told me to hold for a supervisor and that is where they left me on hold for 35 minutes. I continued waiting and while I was waiting they will come back to answer the call with a push button to keep me on hold. Finally, a supervisor came on the line and was not aware I was waiting. After several letters to them they continue calling. I want these phone calls to stop! I have requested many validation letter to provide me with no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Once I had a steady income coming in I started making payments consistently and pay more than amount due. I've tried to get a goodwill adjustment for my student loans two years ago with no success. During this time I was building and correcting my credit report so my wife and I may purchase a home. In XXXX of XXXX we were able to do that. Now we are looking to refinance to receive a better rate but I would need the late payments removed. I would like to have the late payments removed or at least adjusted to one per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My daughters ' XXXX from XXXX XXXX and XXXX University. They have not been able to obtain jobs and I am the co-signer on their loans. We have all tried to contact NJ Class and have asked for unemployment forbearance, lower payments, consolidations and have been turned down on all request. They do not want to hear your problem and just want payment. They do not consider partial payments and do not understand your situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Thank you for taking the time to help people navigate through the Public Service Loan Forgiveness ( PSLF ) program with FedLoan Servicing. I find myself in a unique situation with my loans. I have been working with non-profitsover the last ten years with two of those years working as an XXXX XXXX. 

Here is my situation : I was trying to use my XXXX XXXX XXXX XXXX to pay down my XXXX XXXX XXXX XXXX monthly payments and stay current on my account. The problemthat I was having was that my payment was not arriving on time and defaulting on my PSLF payments because it took too long to transfer over. I asked several times if there was a way for me to set up an automatic withdrawalfrom my XXXX XXXX XXXX Award. I was told that this could not be done. My solution was to pay multiple months at a time. As a result, I found out that a year of my payments did not count for the following months : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX 4 months ), XXXX XXXX, XX/XX/XXXX. 

I have had a number of reviews on my account to try to get this fixed but, it always comes back negative. I spoke to an ombudsmanat FedLoan Servicing and they told me that my request was also denied. Years later I found out that they could take automatic payments from an XXXX account. 

It doesn't seem right to me that paying ahead on my account to satisfy timely payments should be counted against me. Especially, because the transfer payment was out of my control and between two slow moving bureaucratic governmentagencies.I feel like I have been duped andI am not sure how to proceed. Do you have any advice?

I am currently at 103 qualified payments and having an extra year worth of payments returned would really change my life. I have also attached my notes to give you a paper-trail of my experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Huntington bank 24 hour grace period The media package nor the brochures offered by the bank do not disclose how this feature does not work.The bank determines whether or not to the transaction so if they determine to not pay it the grace period does not apply, I questioned the formula for their decision for paying or not paying bank states they do n't have one.This is very misleading and the consumer is given permission to overdraft and believes no fee will be incurred when many times a fee is assessed even when deposit is less than 24 hours.Bank states deposit could be 1 minute later it does not matter, this info needs to be given to consumer, not buried in fine print in a XXXX page disclosure that bank employees do n't even mention when opening an account.The fee is even assessed when a direct deposit is pending for 25 times the amount of the transaction, quite a money windfall for the bank at {$37.00} per fee.The media package for Huntington needs to be changed to full disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
i have been over a year trying to get simple addresses, off of my credit report. i have never lived XXXX XXXX XXXX, XXXX XXXX, La. XXXX, nor XXXX XXXX XXXX. XXXX # XXXX, XXXX XXXX, ca. XXXX. I have written the bureaus and my governor, complaining how something so XXXX, simple, has become, a giant over a year headache. why is it a dead corporation, can dictate to a live human being being, and determine, where i actually, live or i'ved, in it's dead opinion. i've spent countless hours, even calling these clowns, try to get someone on the phone at experian, XXXX near impossible, and a year later, still chasing my tail. can someone please help me, i'm at the end of my rope. teh cfpb just came out with a XXXX report against these major bureaus, maybe that will hepl.

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 2018-07-15
Company: Ronald H. Reynolds, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ronald H Reynolds is contacting people in my family about me on several family members seeking to me. In fact you no my address and filed on me already. there seems to be a problem since I have file several complaints on Ronald H Reynolds & Associates Your been paid weekly with no response to certified mail and disputes to the bill that you have yet to reply back within reason.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXXXXXX ) 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