BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent experian documentation to experian to prove that these items should n't be on my report. they stated my results are ready but when i enter all the information to get results I get the following. '' The results of the processing of your dispute ( s ) are now available. View the results instantly online. Your Report Number is : Your Investigation ID is : XXXX '' " We .are unable to honor your request to access your credit report online. Please call us at XXXX, or you can submit disputes and supporting documentation at experian.com/uploadSelect this link to submit your dispute and supporting documents at experian.com/upload or write to us at XXXX. XXXX XXXX, XXXX, TX XXXX. '' so that they can correct my credit score. if they update my credit score it would over XXXX they are intentionally not updating my report to get the correct score. I have provided the proof and documentation and submitted online via their website and now they are not responding. to me they are trying hard not to update my credit score and using these delay tactics. 
experian is n't doing anything to correct my score which is grossly wrong. with the corrections my score would be over XXXX and should have been over XXXX for the past XXXX XXXX years. instead my score was in the low XXXX ( XXXX ), they are discriminating and illegaly not reporting correct information on certain peoples reports. not reporting corrected information and updating my score hinders me from employment, loans, apartment approval, and much more for the past four years. this should be looked into because I am sure this is effecting 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 2016-05-21
Company: Delbert Services
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lost my job in XXXX XXXX. I have to take a loan with the company Western Sky in order to keep my apartment. I did n't understand finances at the time. Their interest rate was over 100 %. It also stipulated that my payments of over $ XXXX/month would go towards the interest rather than the principle. The loan was only for {$6000.00}. I have been paying for 4 years spending several thousand dollars above the principle but not clearing the debt. Western Sky claimed to be a tribal lender, however the company collecting the debt was XXXX. Now Delbert Services is collecting payments at a lower rate which they had me resign a contract for, about a year later if I recall correctly. I have just recently heard that these companies have already had several lawsuits against them, including in my home state of Virginia. In those, to my understanding, it was determined that their loan terms and collections practices were predatorial and illegal. I believe that it was determined that any loans signed for by those companies prior to XX/XX/XXXX were ruled that only the principle of the loan had to be repaid by the recipient of the loan and any amounts over said principle were to be repaid to the signatory. I do not know how to make myself known as a member of that class to receive restitution. Due to this loan, I can not pay other bills, nor do I have money to buy food for myself and my XXXX dependant. I can not maintain my car, so will likely lose my current job as well. Yet they are still automatically deducting their payments from my account via ACH, which my bank says it can not stop. Please assist and advise me in any way possible.

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 2016-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX has reported to the XXXX credit bureaus that I have an account in collection/charge off with a minimum monthly payment over {$28000.00}. I was a cosigner on a student loan for my now ex spouse who failed to pay as ordered by our divorce decree. I was not informed of the missed payments or consequences for the missed payments until XXXX XXXX sued for breach of contract. XXXX XXXX does not seem to want to work with me considering the circumstances and expects payment in full, with XXXX payment, over {$28000.00}.

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 2015-12-09
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I currently have three ( 3 ) issues. Number one ( 1 ) and two ( 2 ) need to be address. Number three ( 3 ) is a violation of the FDCPA and a complaint has already been sent through the FTC. Number ( 3 ) has been included to provide a complete picture of that is going on. 

( 1 ) I am attempting to have my Personal Mortgage Insurance ( PMI ) removed. Currently my account 100 % complies with XXXX the lenders requirements and my closing documents requirements for removal of PMI. I strictly followed the steps that are outlined in my closing documents. These steps are identical to the ones listed on Roundpoints website, which ask for the request to be email to XXXXXXXXXXXX. 

My servicer ( Roundpoint ) followed up with a Roundpoint " PMI Removal Form '' that is not tailored to the requirements of my lender. There form would put additional limitation on my account and states I am not eligible for PMI removal. I have sent multiple emails informing Roundpoint that I can not sign any document that may alter my current loan, be seen as an addendum, or that does not comply with the lenders requirements. Rounpoint refuses to continue the PMI removal process unitl I fill out there form. I informed Rountpoint that there standard form is not a requirement of the lender nor is its completion listed as a required step in my closing documents. 

( 2 ) The servicer ( Roundpoint ) states I have to pay $ XXXX {$600.00} for an appraisal. Since my email string ( attached ) the servicer has agreed to let me review the invoice and confirm the appraisal has not been " marked up ''. Though this is still higher than normal. I am worried Roundpoint is getting a kickback that may be masking any markup. I informed my servicer that the lender ( XXXX ) allows for a BPO to confirm property value and would be substantial cheaper. Roundpoint keeps saying an appraisal is " required by the lender ''. I sent Roundpoint a link ( shown below ). That indicates an appraisal is not " required ''. I have sent multiple email trying to have a discussion on this but Roundpoint refuses to address my concerns directly. 

XXXX : XXXX -Reference " Borrower-Initiated Termination of Conventional Mortgage Insurance Based on Current Property Value '' subsection XXXX. 

( 3 ) The servicer ( Roundpoint ) attempted to contact me. A representative called me and immediately asked for my address and last XXXX of social. I informed him that I would not provide that information to some random " XXXX '' that calls me. I stated, " I need confirmation that you are actually from Roundpoint. '' He refused to provide any information and stated that my refusal would be, '' notated on my account ''. I never confirmed I was the borrower and the servicer still added notations on my account based on the conversation. I have submitted a complaint with the FTC in regards to this FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I will file a lawsuit for Experian committing fraud and stealing {$21.00} from my credit card when the credit and FICO score was free. I do NOT approve of this bill. I did not sign up for any membership. I signed up because it was free. They bring people in with free credit scores {$1.00} and then charge people {$21.00} weeks later. I never even gave them my credit card number. This company is a huge SCAM. The government should not allow this to happen. They are committing white collar crimes and should be subject to punishment. I am not the only one who 's been robbed by this big company. If you read the complaints about this company its endless. Please do something thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
Company: Diverse Funding Associates LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid. In full XXXX XXXX XXXX XXXX was taking XXXX XXXX out of my bank acct monthly.From XX/XX/XXXX Until XX/XX/XXXX .I have bank statements to prove it. 
Since they sent a summons I file a couple of the statements with the. Clerks office. On XX/XX/XXXX I do have more bank statments if needed. 
I truly believe since the company has exchanged owner ship of the debt 3 times.It may have been lost in the shuffle XXXX XXXX? 
XXXX XXXX  they took all my money. 
XXXX XXXX XXXX - if they touch XXXX XXXX I will sue them.Its paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been disputing and requesting validation of a debt I do not owe for nearly a year now and TRANSUNION has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX Acct # : XXXX since XXXX 2014. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX-XXXX ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-26
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Citimortgage has consistently for more than 3 years lost documents, required innecessary documents ( birth certificates ), ran credit checks during modification processes. They have refused modification due to " irreconcilable differences '' and refused to give an exact reason for modification refusal. Did however state that it has nothing to do with my ability to pay my mortgage. In XX/XX/XXXX we were transferred over to XXXX different " mortgage specialists '', and in XX/XX/XXXX we were transferred over to XXXX different " mortgage specialists ''. Each time it was requested that we submit paperwork. I have submitted 5 years of tax returns, 4 years of income, birth certificates ( twice! ), bank statements, income verification forms, etc. I filed a complaint with the Consumer Financial Protection Bureau and Citimortgage replied on XX/XX/XXXX ( complaint # XXXX ) with only a partial answer. Final answer were suppose to be over to Consumer Financial Protection Bureau by XX/XX/XXXX but was never answered by Citimortgage. Now this complaint seems to be missing from the Consumer Financial Protection Bureau data base. My life has been on hold for over 3 years now while waiting for this modification to be completed. All along our income has fallen within the guidelines of this modification.

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 2015-11-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX knowingly and incorrectly reported that I had n't paid a bill. The bill was incurred by someone who had been a secondary on an account that I had closed. The secondary, an employee, had also opened his own account with XXXX. The charge should have been charged to his new account and not to mine which had been paid off in full and closed. Experian refuses to accept the evidence I have that proves this was never my charge. There are also multiple misstatements on my credit report with Experian. I have had a spotless credit history for XXXX years excepting this XXXX incident with XXXX. Experian is defaming me and, of course, also hurting my prospects for acquiring new credit. I 'm entertaining the notion of suing them for defamation unless we can resolve this matter through the CFPB. How is it that XXXX refusal to pay a charge that was never mine in the first place for {$100.00} led to a drop of XXXX points in my credit score? How is that permitted by any law that governs the behavior of these credit bureaus? I do n't know if I 'm more astonished/shocked or infuriated. But basically both at some level.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: DISCOVER BANK
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I initiated a transfer of funds from two CD IRAs I had at Discover Bank to my XXXX account as I am close to retirement. XXXX submitted the requests within the grace period following the maturity of the CDs. I received over several months numerous calls from Discover Bank stating the transfer paperwork was wrong. My financial advisor contacted Discover, made whatever changes they required, and resubmitted the documents to their IRA department. After several months of trying to get the CDs tranferred, during which time I continued to receive calls from Discover Bank saying the transfer papers were not completed correctly, I spoke with a supervisor on XXXX XXXX who, after researching my account, told me that Discover was calling me about the initial submission and that he had no record of subsequent submissions. As my financial advisor had recently resubmitted all the paperwork and sent it overnight, I insisted he look further. He told me that he did finally find the most recent paperwork, and that the phone calls I was receiving were in response to our initial submission. The transfer went through but Discover assessed me penalties for early distribution of funds in an amount in excess of {$1000.00} based on their contention that the money was transferred after the grace period. After numerous calls, during which I explained that Discover Bank was responsible for the delay ( something that the supervisor I spoke with admitted to ) they told me they would not extend any consideration to me and would not refund the penalty fees. In addition, they were unwilling to provide me with a copy of my initial contract in which they claim they informed me of their penalty policy. After researching reviews of Discover Bank, I see that many people complain of the exact same situation : Discover Bank failing to process transfers of money to other accounts, and assessing excessive fees for doing so. What I initially thought was incompetence I now strongly suspect is a deliberate strategy to delay transfers and then XXXX excessive fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have reviewed my credit report and it reflects correctly my good credit history. Yet my score has continuously dropped from around XXXX in XXXX 2016 when we finished a streamline VA loan refi, to today 's score of XXXX. Nothing has occurred in my credit since XXXX that would warrent such change such as having late payment, missed payments charge off or court actions, etc. However, my credit score keeps dropping Asverse my lines of credit get reduced for having lower and lower scores. A catch 22, my score was dropped then my line of credit is reduced which drops my credit line. 
I would gladly pay off my credit as it 's not that much. Except for a little issue that started in XXXX of 2016 : My veterans educational benefits have been recalculate as a result of this the VA has determined they over paid my school. So, VA has withheld my pay in XXXX, XXXX and again in XXXX, over {$8500.00} ( my school was only paid {$6500.00} ). I 'm just very confused by all of this. And still, I 've keep up on my payments. But this sliding score is causing a mess as we are trying to buy a home! I expect to see a score of XXXX any day now as time progresses.

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 2016-05-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX, This account : 1. Is missing its balance history for the duration of the time the account has been open 2. Is missing Payment Data for XXXX, and XXXX of 2015 when this account had Payments ( Hence the open never late status ) 3. The recent Payment Amount is = XXXX, and should not be. 
4. Has erroneous comments added - to this and almost all of my accounts. 
Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XXXX 2015.

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 2023-08-03
Company: Receivables Management Partners, LLC
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RMP Acct XXXX XXXX XXXX XXXX XXXX I had an Emergency Room visit with XXXX XXXX XXXX XXXX for an injury. Being a medically retired XXXX XXXX, I have now and did then have both XXXX and XXXX. However, the hospital did, and later admitted to, only billing XXXX, the supplemental insurance company, when they should have first billed XXXX. This error resulted in XXXX denial of coverage, the creation of a debt, and hiring of the above named collections agency. When finally made aware of the issue, in XXXX, I was assured that the issue had been resolved by the healthcare provider, and that no debt is, not ever was never due. XXXX has assured me numerous times that I have never owed them anything, that my insurance covered the visit when eventually properly billed, and have apologized for the error. I have attempted to reach the collections agency, RMP Services, on numerous occasions, with no response, in an effort that have the collections accounts ( there are two originating from the same visit ) removed from my credit reports. The account number associated with the two bills is listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I downloaded my free/annual credit reports. I chose to ask for a " free '' credit score from Transunion. I had to complete several pages of questions and no price was listed. I received the XXXX score, but I found XXXX charges totaling {$30.00} on my credit card statement. I called the customer service number within 24hrs ( XX/XX/2016 ) and told them I did not want their whatever service. The money was credited back to my account by XX/XX/2016. I notice on XX/XX/2016 that the credit had disappeared. I called again on XX/XX/2016 and they reaffirmed that the account was cancelled, but they would not return my money. I asked nicely nicely and quietly times, but toward the end of the conversation I called " Supervisor XXXX '' a liar, cheat, thief and she would go to prison and have her children taken away by social services. I also reminded her that I had cancelled the contract within 24 hours and she was " breaking the law. '' I doubt if she cared since it was blatantly obvious that she was not in XXXX XXXX. State, Federal, and their own policy allows me to cancel within an allotted time period which I did. I have a printout of the initial credit to my account which has now disappeared. I did not want their year long service and the cost was never listed and the " FREE '' disappeared. I was told that I received XXXX credit scores which I DID NOT RECEIVE. This is a deceptive scam and should be stopped. 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 monetary relief