BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Shellpoint Partners, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am going through a very ugly divorce, my estranged husband joined a cult ( XXXX XXXX XXXX ). He filed a bogus lawsuit against XXXX, Newrez, the VA, etc... .I took over making the mortgage payments in XXXX when I discovered that he was not making the payments. I reached out to Newrez and was working with their legal team to help me protect myself and the mortgage. I was advised to place a security pin on the account so that he could not call in under me when I filed for divorce in XXXX. In XXXX the XXXX Police Department XXXX team removed XXXX from the house when an order of Protection was served against him. I have made every payment on time for the past few years since I took over the payments. I schedule my payments in advance due to my extensive travel schedule. I scheduled my XX/XX/XXXX payment in advance as I usually do, on XX/XX/XXXX, I received a call from Shellpoint mortgage stating that my payment was not made and I told her my payment was made back in XXXX. I looked on my bank account and did not see the money withdrawn. I went back on the website and the payment had been canceled. I immediately rescheduled the payment and spoke with another representative about what I could do to protect myself. I was advised that they could not stop him from accessing the loan account online because his name is on the loan. The part that hurt the most that Shellpoint would go months and months without reporting my positive payments but this one incident that I had no control over was reported immediately and it affected my credit score. I reached out to them and asked them to correct this as it was not my fault. I emailed them twice and called numerous times. I opened a dispute with the credit bureaus and nothing was done. I was told to schedule my payment the day I want it to come out, to keep him from canceling. I can't do that when i am overseas or traveling. I have tried refinancing but he would have to sign the documents. My attorney is back in court with a TPRO against my estranged husband as he has did this also with my bank account. I sent this over to Shellpoint Mortgage. The mark on my credit report will hurt me with trying to refinance as my credit has been affected. This is unfair to me as I make my payments and there is no way to help me against this man and the malicious things he is doing. I am asking for Shellpoint mortgage to remove the 30 day mark against my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The payoff amount and interest on the car is too high. i can not refinance with anyone else because of this. the apr is 23.99 with me and my cosigner. the monthly payments and the overall value of the car is over XXXX and the car is over XXXX XXXX XXXX. everytime I call they say there is nothing they can do. i am currently on payment arrangements with them and they still charge me the monthly amount so how am I supposed to pay it down? 
i hate this company. they are overcharging me for a vehicle I can even get rid of.

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 2023-06-13
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was offered a {$1000.00} cash bonus if I signed up for an account and deposited at least {$70000.00} in the account within the first 20 days. At first, when I called to find out where I could find my account number ( because I set up the account online ), I was told by the representative that I would not know my account number until I received a welcome kit in the mail. I therefore could not deposit the money, as their online automated transfer system had errors every time I tried to use it. I called again after waiting almost 2 weeks and was told that there was no welcome kit being mailed and that I could view my account number online. I then had only a few days to process my transfer of $ XXXX from my old bank to Citibank. This was very stressful but I accomplished it in time. Now that it is over 60 days after the 21st day of setting up my account, I checked my checking account for the $ XXXX bonus. It was not there, and when I called their customer service, they told me there was no promotion attached to the account. This was very strange, as the representatives I had spoken to in my first 20 days at Citibank were all aware of the promotion, as I nearly didn't make the 20-day deadline and had asked for an extension.

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 2023-06-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has sent an account for us to collections with National Credit systems. The charges are erroneous and excessive. We have seen numerous changes to the amounts. From {$27000.00}, to XXXX and lastly XXXX. None of these number are correct. We requested a validation of the debt. On XX/XX/2021 a return signature for a letter requesting validation was signed by National Credit systems. It was not returned within 30 days as per the Fair Credit Reporting laws and Debt collection practices. We were not provided timely documentation. Thus, this entry is illegal and was removed from XXXX and XXXX reports. XXXX had yet to remove this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: JPMORGAN CHASE & CO.
State: IA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Chase acct XXXX was setup in my name. A business controls it and using it. 

Now they say a business controls it. I have ro pay XXXX to get the business released and XXXX fees for getting them money. plus they say they cant wire it to another bank plus rhey require id.me verification which is hard to get

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have submitted multiple ( more than 3 attempts ) Security Freeze Requests with LexisNexis. I have submitted all required documents LexisNexis requires to submit a valid security freeze. I have just resubmitted another security freeze today XX/XX/2023 @ XXXX. I provided LExisNexis with a valid copy of my Drivers License ( that has my correct address on it ), Valid copy of my Passport, Copy of my Social Security Card, a utility bill, and Mortgage Statement all matching the address on my Drivers License. I made the request online through there request page https : //forms.consumer.risk.lexisnexis.com/ # /freeze-self

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in receipt of Common Wealth Financial 's letter informing me that they are handling the collection of the account # XXXX for {$2000.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Common Wealth Financial & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Common Wealth Financial claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Common Wealth Financial continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in Common Wealth Financial letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA. Common Wealth Financial has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a notification from XXXX XXXX regarding a hard inquiry. I reviewed the information and knew immediately it was not something I had done. I pulled my XXXX credit report which did not show any information regarding this inquiry. I called capital one and was assisted in closing this fraudulently opened account. The customer service representative informed me they would close the account and flag it as fraud and their fraud department would be investigating. 
My major concern is now knowing my SSN has been compromised and I am unsure of how to prevent these people from continuing to open accounts in my name. My next concern is that I was a victim of the XXXX breach of 2017 and although I have credit monitoring I was not informed by their services of this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Upgrade, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive called Upgrade numerous times to request a statement that reflects my name, account number, and current balance. They either refuse to send this to me or state they have, though nothing has been received. I asked them to at least update the credit bureaus with the current balance since its been over 30 days but they insist they have already. Ive called XXXX and confirmed no update received for over 30 days. Upgrade continues to lie to me and refuses to provide documents to me or updates to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cash app closed my account that had {$760.00} in it. When I tried to reach out to someone at cash app I get the run around. I called and was hung up on twice. My account got taken on XX/XX/2023. I have been trying to get this issue resolved since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in receipt of Common Wealth letter informing me that they are handling the collection of the account # XXXX for {$2000.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Common Wealth Financial & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Common Wealth Financial claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Common Wealth Financial continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in Common Wealth Financial letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA. Common Wealth Financial has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Saw on my credit report for a debt to XXXX XXXX for {$200.00}, but I have never recieved anything in writing from Helvey and Associates. I'd like to pay off my debt or settle with the agreement that it will be removed from all 3 of my credits reports with a positive resolution. However I can not do that because I have nothing in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello consumer finance I started a complaint with you XXXX. On that complaint I stated " on XX/XX/XXXX I inquired about the arears in my mortgage, I was told it was {$7200.00}. I called back on XX/XX/XXXX and I was told that the amount was now {$18000.00} due to not being covered by bankruptcy anymore and I was advised that I had missed XXXX payments from XX/XX/XXXX to XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX my payment amount was {$1000.00} and from XX/XX/XXXX to XX/XX/XXXX my payment was {$1000.00} constituting my XXXX payments, my statements show that they have received {$10000.00} during that time. 
That Complaint has been recently closed based on this statement from the Mortgage Servicer " Rushmore has reviewed the recorded conversations held between XX/XX/XXXX to XX/XX/XXXX, and at no time during these calls did a Rushmore representative quote you {$7000.00} as the reinstatement amount. You explained to the representatives that you believed the amount to be {$7000.00}. The representative ordered a Reinstate Quote that was mailed to you on XX/XX/XXXX, XXXX amount required to reinstate the loan through XX/XX/XXXX is listed below. " As you can plainly see the DATE & AMOUNT does not correspond with what I have provided to you. Of course the conversation in my complaint didn't take place because the time frame they researched is not the one I provided to you. As you can plainly see this is a ploy to defraud you as a consumer advocate and steal the funds that I sent them. I have taken the liberty to attach the reinstatement quote that I was sent and the response that I have sent them by providing every months bank statements

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX. I paid the full balance of {$190.00} to XXXX XXXX a collection agency on behalf of Affirm ( a micro lending company ) on a debt I disagreed with and disputed many times. It is now XX/XX/XXXX and the debt still hasnt been updated to show as paid or current in my XXXX. I have opened numerous disputes with XXXX proving that I paid the balance in full and no longer owe it. This debt is now hurting my job prospects for the feds as I go through processing. 

Im at my wits ends and am preparing to sue to Affirm for incorrectly reporting on my now former debt and not reaching out to XXXX XXXX to see what happened to the money I paid them. The debt went into collections sometime in XXXX, possibly XXXX and I have received numerous attempts to collect on it since. 

Ive also opened a XXXX complaint against Affirm, but at this point I would like to file a consumer finance complaint against them and if need be sue to hold Affirm accountable for incorrectly reporting on my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
TransUnion wrote me a letter stating they wont reinvestigate my dispute for Account Name : XXXX XXXX XXXX XXXX Number XXXX saying that it was verified but how is it verified when the Account numbers, Dates Open, Dates last active, Payment Status and Account status are different on each credit report according to the law 15 U.S.C 1681 Section 602 A States that I have the rights to privacy And law 15 U.S.C 1681 Section 604 A Section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions And I never gave TransUnion my permission nor written consent to furnish this account I want to know how was it possible for me to be the owner of this account and I was incarcerated until the summer of XX/XX/2022 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 2023-06-15
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a business account with Truist bank XXXX, 2023. I deposited {$100.00} and did not touch the funds until XX/XX/XXXX. I withdrew {$60.00} from ATM on XXXX and {$20.00} on XXXX for my business needs. There was a fee from the Atm and a fee from Truist totaling {$6.00}. This would have left an account balance of {$18.00}. The next day, XXXX I swiped the debit card in a store for the first time. I checked my balance each time before using card and it showed positive. Two weeks later I go to deposit funds and see that Truist charged me excessive overdraft fees. Five separate overdraft fees, totaling {$180.00} for two days of usage. When I called in to inquire, I was informed I had swiped my card before I went to the Atm, which I did not and have screen shots attached showing an overdraft fee added while account was positive, causing all the other fees. Even my last statement from XXXX shows a posted balance of {$45.00}. I was also told they do not have a way of turning off the option to overdraft. They waived one fee and explained their system only waives one fee every 24 months over the phone but referred me to the branch location. I went to the branch and got the same feedback. This is unacceptable banking.

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 2023-06-14
Company: Kimball, Tirey & St. John LLP
State: CA
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:
On XX/XX/XXXX XXXX XXXX XXXX XXXX has a collection against me in the amount of {$5400.00}. 

On XX/XX/XXXX I disputed this with XXXX because this account does not belong to me. 

They never provided me with a physical copy of validation. 

Account information listed below Kimball, Tirey & St John XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2023-06-15
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo lost almost ten thousand dollars from XXXX of my daughters custodial accounts and my checking and savings, saying that I withdrew funds and even overdrew my account when I had proof that I wasnt in that location and could not have accessed the accounts in that way or timeframe. When I brought this to their attention, they rerouted my accounts to new accts numbers so I could no longer access the statements or see the status and withdraws then closed my accounts and refused to bank with me never admitting to or replacing the money as ut was insured and I filed a police report and can prove that there was in no way myself or anyone else associated to me accessing my accts which had never been negative or withdrawn from previously, only deposited to.

Company response to consumer: Closed with explanation