BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-15
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Truist repeatedly mails me letters falsely telling me my mortgage payment is late and threatening to report me to credit bureaus. I have asked them to stop several times and they refuse to. It should be noted that my mortgage was originally entered into with BB & T, not Truist, so I never had a choice when BB & T merged with SunTrust to form this new bank. But BB & T never sent me these threatening letters. Only Truist has done this. 

I have never made a payment outside the grace period, so Truist has no legal basis to report me and is therefore making baseless threats and false statements. 

I just paid my mortgage on Friday, XX/XX/. I thought that by making a payment a little earlier ( although I have always paid within the grace period and I have every right to use every single day of that grace period ) that Truist would stop harassing me. Instead, Truist has emailed me three times this morning ( so far ) to falsely state that my mortgage payment hasnt been received. 

This is unnecessary harassment. Clearly, Truist is trying to annoy me to force me to make my payment on the first of each month even though I have a grace period every single month per the original note. Truist is using this pressure tactic and sending false, unwanted emails in an attempt to make me forego my rights under the note. I am sick and tired of the treatment I receive from Truist and would refinance with someone else if the mortgage rates werent so high right now.

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 2023-05-05
Company: Resurgent Capital Services L.P.
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:
Dear LVNV FUNDINGXXXX I am writing to dispute the LVNV FUNDING account ( Account number : XXXX ) that is listed on my XXXX credit report. Upon reviewing the information provided, I do not recognize this account, nor have I ever had any dealings with LVNV FUNDING.

I am concerned that the reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of 15 US C 1681 section 604 A Section 2, 15 USC 1681 Section 602, and 15 US code 5 1681b.

I request that this account be removed from my credit report based on the following CFPB guidelines : Inaccurate Information ( CFPB XXXX Bulletin ) The account information provided is inaccurate, and I am disputing this account as I do not recognize it. The creditor has not provided any proof of my consent or authorization to open this account. Therefore, I request the removal of this account from my credit report. 

Failure to Verify Information ( CFPB XXXX Supervisory Highlights ) The creditor has failed to verify any information about this account despite my repeated attempts to request information. The information listed is not only inaccurate but it is also incomplete. As such, I request that this account be removed from my credit report. 

Deceptive or Unfair Practices ( CFPB XXXX Annual Report ) The information provided by LVNV FUNDING is deceptive and unfair as it has negatively impacted my credit score. I have not received any correspondence from this creditor or any notification of any outstanding debt owed. As such, I request that this account be removed from my credit report. 

In accordance with the FCRA and CFPB guidelines, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Affirm Holdings, Inc
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I used Affirm 's payment option to purchase an item online. I changed my mind and contacted the vendor to cancel the order on the same day. The vendor responded back that the order was canceled on the same day as the original sale date. I contacted Affirm and notified them that the sale was canceled. I was told that it would still show up on their site but that it would " fall off '' after 14 days. This was not the first time I've used their service and have always paid on time and in full. 

I checked back after the time the 14 days passed and saw that the balance was still there. I emailed and called for them to correct the mistake and was told to send a copy of the cancellation email from the vendor, which I did. I never heard anything back but started to receive demands for payment. I again, called and emailed, forwarding the documentation, and was told, once again that it would be taken care of. 

Then I got an alert from my credit report that they reported the account as unpaid, which lowered my credit score. I again call them and go through the entire process AGAIN. It wasn't until I said that I would report them to the XXXX  and the FTC that they removed the balance from THEIR site. It still remained on my credit report that I was late on a loan that was never initiated. 

I again called Affirm and was told that their reporting was correct and would not make any changes. Despite all the evidence to the contrary. 

They changed the account on my report as paid, instead of removing it. Paid by whom? The vendor canceled the purchase in their system the same day. How do you pay for something that was never processed? 

After reviewing the complaints on the XXXX  website, I see that I am not the only person to have this problem with Affirm. Something has to be done to change their poor communication and lack of business ethics. 

I see a class action lawsuit in their future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were involved with the XXXX  XXXX XXXX scam in XXXX  which was the beginning of the problem. During that time XXXX XXXX XXXXXXXX sold my mortgage to Ditech. A loan modification was completed. I was a single parent of young children and had some medical issues which kept me out of work. Mortgage sold again to Shellpoint. A loan modification was in process and I had already made the first payment. I was involved in a near fatal boat accident and spent XXXX weeks in the hospital. Even after 21 XXXX  to save my XXXX  I am permanently XXXX and was forced to medically retire. At the time when I got out of the hospital I immediately called and explained the situation. The mortgage company told me they already canceled the modification, and that they would not help or assist me further. Mortgage sold again this time to XXXX. Now I have a further reduction income due to XXXX and XXXX. I hired an attorney to handle the modification however due to lack of IRS tax returns the attorney is demanding another {$3500.00} to start the modification process all ov

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a US Veteran so I reopened a checking account with USAA. I was transferring money from my old account with XXXX XXXX into my new account with USAA. I had set a transfer for {$180.00} to move from XXXX XXXX into USAA, but before the payment could be withdrawn and moved over, there was an insurance payment that came out of my XXXX XXXX account on the XXXX if XXXX that wasnt supposed to come out until the XXXX of XXXX. So because of this transaction the money that was set to transfer over got denied by USAA and they charged me a {$5.00} return fee. Then without a call or anything they closed my account and tried to call it fraud. I tried exposing to everyone I could about what had happened but no one is listening to me. The refuse to allow me access to my money and Ive been told that it will be up to XXXX XXXX before I will be sent a cashiers check with my money. I ca not go XXXX XXXX without my money. I need my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to report a violation of the Fair Debt Collection Practices Act ( FDCPA ) by NATIONAL CREDIT SYSTEM, who failed to provide verification of a disputed debt and continued collection efforts without supplying the required verification. as Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I dispatched a certified mail dispute letter to NATIONAL CREDIT SYSTEM on XX/XX/2023, within the XXXX-day validation window, demanding verification of the alleged debt. This action was taken to formally contest the legitimacy of the debt and to seek definitive proof to substantiate their claims. A copy of the dispute letter and the certified mail receipt, affirming its delivery, are consolidated in Attachment. Contrary to the mandates of FDCPA 809 ( b ), which necessitates the cessation of collection activities until the debt is verified, NATIONAL CREDIT SYSTEM has not provided the requisite verification as of XX/XX/2023 and has perpetuated their collection endeavors, inclusive of validating the debt with XXXX without validating the debt with me on XXXX witch is a clear violation of 15 U.S.C. 1692g ( b ) Validation of Debts which states : " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

This non-compliance has engendered my process of getting funds for my business or any type of help credit wise and precipitated significant emotional distress, a byproduct of the unwarranted and legally nonconforming collection attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XXXX I was scammed out of {$4500.00} by someone pretending to be USAA. They decided it was fraud on XXXX. Based on XXXX Pays evidence, they re-charged me {$4500.00} on XXXX. 

They are refusing to give me my money back. Even though I have a police investigation with XXXX XXXX Police Department case no XXXX. 

The bank wont talk to the cops. XXXX XXXX thinks I owe them money so they keep debiting my bank account. I even took my debit card off XXXX XXXX and they still charged me. 

XXXX wont help because to them the money is gone. 

Im out {$4500.00} due to financial bank fraud. My bank wont insure my money against fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023, I received a notification on my phone from Apple Credit Card issued by Goldman Sachs Bank Bank USA that my credit card account was locked and that I would need to contact support to unlock it. I contacted support and was told to contact them again during regular business hours. 

XX/XX/2023, I contacted Apple Credit Card ( Goldman Sachs Bank Bank USA ) and after verifying my information, made a one-time phone call to the number on my account, providing me with a number to call back to remove the lock on my account. I called the number to remove the lock, and while on hold, I received another notification on my phone, this time related to my Apple Savings Account issued by Goldman Sachs Bank Bank USA. My savings account had now been locked. This lock meant I could not access any of my own money in my savings account, I could not withdraw this money or transfer it back to the linked checking account. 

When I reached Apple Card Support, I was notified that my savings account was locked due to my Apple Credit Card being locked. I was told that I could not access my Apple Savings Account or my Apple Credit Card until a " review '' had been completed on my account.

I asked for a timeframe of how long such a review would take, seeing as I had all of my money in this savings account and needed to access this money to pay bills, etc... I was told there is no timeframe for the review. I asked if they could transfer the balance of my savings account to the checking account of another financial institution already linked to the Apple Savings Account, and they told me there was nothing they could do on the account until the Apple Credit Card review was complete.

I was given instructions that, first, the Apple Credit Card review would be conducted. When that was completed, and access was restored to my credit card account, only then could I contact Apple Savings Account support to get the lock removed from my savings account. 

I asked to speak to a supervisor and was told the supervisor was not available until Monday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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 account is reporting late as reported in my Equifax and Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I have reached out the the 3 creditors in this matter, XXXX XXXX, Apple Card XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Reporting Act, this creditor has violated my rights. I understand that under 15 USC1681 section 602 - states, I have a right to privacy15 USC1681 604A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights. 15 USC 1681 SECTION 602 states I have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
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 account is reporting late as reported in my XXXX and Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
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 2023-01-23
Company: Experian Information Solutions Inc.
State: IL
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:
Old date and old address keep on popping up 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 2023-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
The man I thought was my XXXX XXXX  applied for a credit card in my name without telling me. I never authorized for him to do so and I never gave him permission to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a new complaint, company again has separate violation. Please send to the company for explanation as the company REFUSED certified mail leaving me unable to communicate with them regarding the debt. I have asked for validation in writing and for written validation to be sent to me. Repeatedly have requested debt validation from company that meets the requirements of the FDCPA. Company has FAILED to provide requested information. Certified mail was REFUSED and returned to sender on XX/XX/XXXX. Letter refused requested in plain language what the debt is for, how the debt was calculated, a complete payment history, information from the original creditor if different from Vance and Huffman. 

I have sent multiple certified letters requesting debt validation to company. Most recent certified letter request sent via USPS, XXXX XXXX XXXX XXXX XXXX, signed for by Vance and Huffman on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX Company has failed to reply. The company received my requests as evidenced by certified mail signature. In all verbal communications company has failed to provide information as to what the debt is for, how the debt was calculated, the original creditor ( if different from Vance and Huffman ), complete payment history. The Fair Debt Collection Practice Act requires debt collectors send a written validation letter within 5 days of initial contact. No letter was ever received from Vance and Huffman despite my verbal notification of my mailing address and request for the communication they are required to send by the Fair Debt Collection Practices Act. Greater than 90 days have elapsed since my request for validation of the debt was received by Vance and Huffman, yet they have violated the Fair Debt Collection Practices Act by failing to respond in writing to my mailing address as requested multiple times. The debt still remains on my credit report despite my disputes and unanswered requests for validation. The Twila Boatley vs Diem Corporation in XXXX case the courts ruled that reporting the debt to a credit reporting bureau is collections activity. The Fair Debt Collection Act requires debt collectors to respond to debt validation requests and limits collection activity until the debt is validated. On XX/XX/XXXX the FTC released a publication regarding XXXX XXXX XXXX and debt parking, Vance and Huffman is engaging in the same illegal behavior.

Company response to consumer: Closed with explanation