BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi my name is XXXX XXXX. Experian has expressed to me in writing that my disputes will not be acknowledged because the account has been previously verified. The XXXX account # XXXX .... and XXXX XXXX account # XXXX in reference continues to report on my Experian file without proper verification or investigation. This is in violation of 15 U.S.C 1681i ( a ) ( 2 ). To prevent me from employment and financing opportunities these companies willingly commit aggravated identity theft by reporting this information without my consent. I am legally refusing to pay this debt pursuant to 15 U.S.C 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX and XXXX can provide me with sufficient documentary evidence that I have any legal obligations to pay them. Until this is done any reporting of this information in my credit report must be removed. They have no regard for my federally protected rights as a consumer. This is extortion and theft by deception. If these entities continue their unfair and incomplete reporting and debt collection tactics they will be held criminally liable for all damages.

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 2019-04-01
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
What good is this portal, if you accept a company 's response, even though answer was FULL of mis-truths, but you accept it & close the claim? I filed complaint # XXXX, which was closed as soon as the company responded. I had to edit original complaint MANY times, due to website 's character limits.There were MANY facts omitted, I thought more info would be requested later.Appears to be total waste of time. I overpaid my mortgage for 2 months by over {$300.00}. but I managed, did homework to get it fixed, but many errors were made by company in process. They opened 2 help tickets on XX/XX/XXXX-one to update taxes, other to re-analyse, was told would get new analyses 7-10 days later. When called on XX/XX/XXXX, ticket to re-analyse was closed on XXXX, because taxes were not updated. Verified by phone, prior to XXXX insurance payment being sent, new declarations page had been received-payment amount info had not been updated. Why are you here, if not to help consumers?

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 2019-07-17
Company: Experian Information Solutions Inc.
State: WA
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 split my mortgage payment into two payments for my XX/XX/2019 mortgage payment and it was not put in the right place. I have called 6 times now starting XX/XX/XXXX when I received a letter that stated I did not make my XXXX payment and now have late fees. The late fees were waived but it wasnt resolved and hit mine and my fiancs credit with a -54 points due to a delinquent account/past 30 days. I was told the gentleman would be coached because of his error and Im left waiting for our credit to be fixed and am told itll take a month. I was originally told 3-5 business days. I wasnt even late let alone delinquent. I am very angry about this and it just seems like they dont care one bit. I disputed it with the credit places too. I want to file a complaint since we are left waiting to do anything with a credit hit that bad I cant get anything at a fair price or on credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I 'recently filed bankruptcy and it was discharged on XX/XX/XXXX. I attempted to catch up car payments for XX/XX/XXXX and as a result, I called Navy federal, customer loan department. on XX/XX/XXXX and was told that I was eligible for a 2 month extension and to call back to confirm on XX/XX/XXXX. I called on XX/XX/XXXX and was told by XXXX XXXX XXXX Bankruptcy specialist ) that I could not get the extension and XXXX XXXX stated that he does not know whom have me that information. It must be noted that, there was a complete application that I had to undergo to apply for this extension which was given to Navy Federal representative over the phone. XXXX XXXX denies that there was ever a extension applied for and stated that I was given incorrect information. It should be noted that I prepared for the extension financially as a result of being told by the customer loan representative, that I was in fact, eligible for the extension and assured me that I would receive it. Now I am being told by XXXX XXXX, that I will not receive the extension and he is now threatening to retrieve my car. XXXX XXXX is clearly unsympathetic to my financial need and is holding the fact that I filed Bankruptcy, against me! by not approving any extension due to me filing bankruptcy. I am requesting that I be extended the extension as I did financially prepare for it and have made preparations to move into a new home. Not approving the extension would place great financial burden on me until such time as the original extension agreement can be completed. I am requesting that Navy federal honor the request that I was told that I was eligible for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Student Loan Financial Assistance
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I paid Student Loan Financial Assistance {$140.00} on XX/XX/2019 and another {$140.00} on XX/XX/2019. I have not received a single email or piece of mail regarding the status of my Student Loan or of their efforts to address the situation since I initially signed up on XX/XX/2019 ( I signed up over the phone and then received an email with a congratulations on taking the first steps to financial freedom, with further instructions that were needed to move forward ). I sent my last pay stub to confirm income and was told I qualified for income base repayment. After waiting over two months I began to get concerned and wanted to know what was going on I called their office on XX/XX/XXXX, XXXX and again on the XXXX. I spoke with a random representatives that couldnt help me and was told they would ensure my case manager would get back to me to clear things up. That never happened. When I called on the XXXX I expressed my concern that this was a scam and that I would need to take further action. I never heard back from them and called again today XXXX XX/XX/XXXX ) .. this time the phone continued to ring/on hold for XXXX mins. They must have flagged my number or something because all the other times I called in someone picked up rather quickly. Then I was prompted to leave a message which I did. I decided to write an email for my records and requested a refund and warned that I would be taking action. I did some research and found out that when you student loans are in default you can not quality for any of the same programs like income based repayment that would be available if my loan was still with The Department Of Education - so clearly I was being fed lies. After figuring out Student Loan Financial Assistance is a scam, I have been able to find a solution on my own to resolve my debt with the collection agency in charge of my student loan ( XXXX XXXX XXXX ). I am now enrolled in a rehabilitation program to get my loan out of default which is what I was hoping to do with SLFA. I was informed by the representative that assisted me that SLFA never contacted the XXXX or filed any paperwork on my behalf. I am of disputing the charges with the bank as well as taking action to prevent identity fraud etc as this company has my social security number and other confidential information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-18
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Dear Complaint Handling Associate or Department, On XX/XX/XXXX, I provided notice to XXXX XXXX ( " XXXX '' ) that I would be terminating my lease. On XX/XX/XXXX, XXXX ( a XXXX associate ) executed the Notice of Intent to Vacate document as prescribed by the Lease Agreement ( " Agreement '' ) : both documents are attached for reference.

On XX/XX/XXXX, I followed up with XXXX to ensure what was due sinceXX/XX/XXXX was my last day as a tenant. As of my move out date, XXXX provided with my final amount due. Please see the email attached that states I owe {$990.00} to terminate my lease. Additionally, I have a {$200.00} security deposit that will be used to pay the sewer bill. I assumed I would actually be refunded some monies.

I had heard nothing else from XXXX and assumed everything was resolved since I took the tedious effort to ensure all of bills are paid. While back home for XXXX, my father inquired about my financial situation and to my surprise, I learned that XXXX had sent a collection letter, via RentDent, to my father 's address and addressed to my father. My full name is XXXX XXXX XXXX XXXX The letter was addressed XXXX XXXX, which I can assume is what XXXX provided RentDebt. Additionally, the address provided to RentDebt was not an address I provided to a third-party. I provided the XXXX XXXX XXXX, XXXX, GA XXXX address solely to have my mail forwarded from XXXX. I never authorized any third-party having access to my father 's personal address and would certainly not provide consent to do so. Only XXXX was authorized to " forward mail '' to that address.

I being this complaint to you alleging FDCPA - Misrepresentation of Debt claims, FDCPA - Third-Party Disclosure claims, and GLBA - Privacy Notice claims pursuant to the above allegations.

XXXX is owed nothing from me as stated by the associate on my last day of residency ; this is an official dispute. Additionally, I am extremely embarrassed that you shared my financial information and debt issues with my father. Furthermore, XXXX should have never provided you the {$21.00} XXXX  forwarding address : the Notice of Intent to Vacate did not contain the respective disclosures for sharing of that information with RentDebt ( a third-party ).

Additionally, please advise if this matter has been reported to any credit bureaus.

Please advise how you 'd prefer to resolve these issues : I prefer not to entertain legal avenues.

Sincerely, XXXX XXXX XXXX XXXX

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Med-1 Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We paid 1 of 2 medical bills that were sent to the XXXX XXXX collection company through their website XXXX XXXX XXXX in early XXXX 2017. The website is subpar, and gave an error upon trying to complete payment. HOWEVER, the transaction DID go through, and was immediately taken out of our account with a full transaction number. We have spent the last several months going back and forth with this company jumping through all their hoops to prove payment, to no avail. We have sent multiple emails with an attachment from our bank of proof of payment, double checking the email address and resending several times. They were even supposed to check the transaction with their accounting department and still say we did n't pay it, even when giving them the full transaction # and date. Today we have tried yet again to get them to credit the payment by sending a fax of the bank statement that shows the paid amount and transaction # and multiple emails with the bank statement attached. We 'll see if they finally credit it, but this is completely shady collection practices. If you ever have to pay a bill with them do it over the phone to save yourself this hassle.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CITIBANK, N.A.
State: TN
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:
On XX/XX/2020, I sent Citi Bank a dispute letter ( see attachment ), attached is the tracking status showing that they received it on XX/XX/2020. Which they never responded back to that letter within 30 days. Which is a violation of Federal Law. Attached is a copy of my XXXX  and XXXX credit report dated XX/XX/2020, which shows that Citi Bank is reporting the account as charge off account and balance of {$910.00}. The address I sent the disputed letter to is the address on the XXXX  credit report for that account. Citi Bank received my disputed letter on XX/XX/2020 ( see attachment ). They violated the Federal Law because they were required by law to notify the credit bureaus within 30 days and add a statement to my credit report within 30 days that says I have disputed the above item in question, attached you will find a copy of my XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX credit reports dated XX/XX/2020 ( 31 days after Citi received my disputed letter ). Which shows that Citi Bank violated the law when they didnt put the statement on my credit report that I disputed the account with Citi Bank on my credit report within 30 days. I am requesting the help of CFPB to hold Citi Bank accountable for violating Federal Law and have them delete the item in question from all three of my credit report because they failed to follow the Federal Law or I will proceed with a lawsuit in Federal court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted on XX/XX/XXXX at XXXX XXXX by XXXX XXXX XXXX '' with the XXXX XXXX XXXX XXXX  from XXXX. He stated that he was trying to collect a debt for XXXX College for XXXX He stated that he was a lawyer and that his client was XXXX XXXX XXXX He stated that they have mailed letters to me that I have never received. He told me he wanted to give me a courtesy call to let me know that they will be suing me, and garnishing my wages and/ or tax return if we could not setup a payment arrangement today. I proceeded to tell him that I am unemployed due to a major car accident onXX/XX/XXXX. I had XXXX XXXX and can not work at the moment. I lost my previous job due to the situation. I have documentation. After I tell him that they will have to proceed with the case, then he gets agitated and demanding that I pay the money or lose my taxes. I told him that I am a single mom and anything that I get back from taxes would go towards helping our living situation. I still proceeded to tell him to go ahead with the process, due to the fact that I still do not have the funds. I asked would I get correspondence when a court date is in place. I told him I would get a lawyer. He laughed and told me that I can not afford one or to file bankruptcy. He also had information about my other open accounts and laughed about my amount of debt. I told him that in my city we have access to free legal aid and lawyers based on income. He stated that he would ship out the petition today. He as very rude and degrading me and my situation. I have never experienced that with anyone that I owe. I have other accounts and the staff has never treated me like this. After the phone call, I XXXX the law firm and the number. I did not find that law firm anywhere. I found XXXX XXXX XXXX in NY and XXXX XXXX. The law firm in XXXX XXXX had a XXXX XXXX, not XXXX XXXX. I know that some debt collectors may impersonate lawyers to collect the debt, but that is a criminal offense. Also, when I XXXX the phone number it was in a list of other numbers registered to XXXX. I also know that he can not sue me in another state without hiring another lawyer in my state, because it seems like they are out of my state or country. Please help. I am doing the best I can trying to get back on track after this life changing experience. I do not appreciate being degraded and harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX violated federal law, by not properly investigating within the required time frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will now result in a small claims action against your company. 
Synchony Bank account was discharged in Chapter XXXX. 
Date filed XX/XX/2017. Judge XXXX XXXX XXXX. Debtor ( s ) was dismissed XX/XX/2017 In which your company is well aware of. As to date you have tried to collect a debt

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 2019-07-17
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This incident jus recently happened this past weekend ( XX/XX/XXXX) during a purchase of a home that got shut down due to a mishap on my credit that we have been protecting for months. It was a collection agency affiliated with XXXX on a account that has been closed for a year or more now. There was no info notification or letters of any type that would have informed me so. They jus popped it on my credit and it dropped 50 points over something that doesn't exist, that's been closed with a confirmation number as well.Some action definitely needs to be taken for a fraudulent charge on myself that isn't active. If something isn't resolved there may be legal action looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
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: Was not notified of investigation status or results

Complaint:
Violation of Fair Credit Reporting Act ( FCRA ) section 611. TransUnion File Number : XXXX. On XX/XX/2018 I mailed a request for the " Method of Verification '' regarding investigation results dated XX/XX/2018. ( See attachment. ) TransUnion received my request via certified mail on  XX/XX/2018. ( See attached copy of certified mail receipt. ) TransUnion replied with a letter outlining the " investigation procedure. '' ( See attachment. ) I did not request the " investigation procedure. '' The " investigation procedure '' was already provided with the investigation results. I specifically requested the " method of verification. '' Furthermore, I contacted TransUnion via phone on XX/XX/2018 and the representative named XXXX XXXX, stated the " method of verification '' was an electronic source known as " XXXX. '' Why am I receiving contradicting information? Over the phone I'm told one thing and via mail I receive a response which does not pertain to my request. TransUnion is in violation of the FCRA section 611. " XXXX '' is not a valid " reasonable investigation '' as defined in the Fair Credit Reporting Act ( FCRA ) and a recent case in the U.S. Court of Appeals, XXXX vs. TransUnion. TransUnion is using stall tactics and sending me deceptive correspondence in order to avoid written documentation to me with the " method of verification '' for the dispute. TransUnion should be held accountable to the fullest extent of the federal, state and consumer protection laws which have been violated. cc : FTC, Florida Attorney General.

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